Ketry Law Firm proudly serves clients across Louisiana, offering dedicated legal representation in property insurance claims, personal injury, and criminal defense matters.

Wind and Hail Claims

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When Wind and Hail Damage Your Property, Your Insurance Company Should Pay for Covered Losses

Windstorms and hailstorms can cause significant damage to homes, businesses, apartment complexes, and commercial properties throughout Louisiana. While some damage is immediately visible, other damage may go unnoticed until leaks, structural issues, or deterioration begin to appear months later. Unfortunately, insurance companies often dispute the extent of damage, underestimate repair costs, or attempt to attribute storm-related damage to wear and tear or pre-existing conditions.

At Ketry Law Firm, LLC, we represent homeowners, business owners, landlords, condominium associations, and commercial property owners in wind and hail damage insurance claims. We help policyholders pursue the benefits available under their insurance policies and work to ensure that all covered damages are properly evaluated.


Wind and Hail Damage Can Be More Extensive Than It Appears

A severe storm can damage multiple components of a property, even when the damage is not immediately obvious.

Common wind and hail damages include:

  • Roof damage
  • Missing shingles
  • Creased, lifted, or torn shingles
  • Damaged roofing membranes
  • Broken or cracked tiles
  • Damaged gutters and downspouts
  • Window and skylight damage
  • Siding damage
  • Fence damage
  • Exterior paint damage
  • HVAC equipment damage
  • Solar panel damage
  • Structural damage
  • Water intrusion and interior damage

Even minor roof damage can allow water to enter the structure, resulting in significant interior repairs.


Residential Wind and Hail Claims

Homeowners often experience damage from:

  • Thunderstorms
  • Tropical storms
  • Hurricanes
  • Tornadoes
  • Straight-line winds
  • Hailstorms

Residential claims may involve:

  • Roof replacement
  • Interior water damage
  • Ceiling and drywall repairs
  • Flooring damage
  • Window replacement
  • Personal property losses
  • Detached structure damage
  • Additional living expenses

A proper inspection is critical to identifying all storm-related damage.


Commercial Wind and Hail Claims

Commercial properties often sustain extensive losses due to their size and complexity.

We assist owners of:

  • Office buildings
  • Apartment complexes
  • Retail centers
  • Warehouses
  • Industrial facilities
  • Hotels
  • Restaurants
  • Condominium associations
  • Churches
  • Multi-family developments

Commercial claims may include:

  • Roof system damage
  • Building envelope damage
  • Equipment damage
  • Business interruption losses
  • Tenant improvement damages
  • Loss of rental income
  • Extra expense claims

Roof Damage Is One of the Most Disputed Issues

Insurance companies frequently dispute roof claims by arguing that damage resulted from age, wear and tear, or maintenance issues rather than a covered storm event.

Common roof claim disputes involve:

  • Whether hail impacts caused functional damage
  • Whether wind damaged roofing materials
  • Partial versus full roof replacement
  • Matching issues
  • Repairability concerns
  • Code upgrade requirements
  • Hidden moisture damage

These disputes can significantly affect the value of a claim.


Hidden Storm Damage Is Often Missed

Not all wind and hail damage is visible from the ground.

Hidden damages may include:

  • Lifted roofing materials
  • Broken seal strips
  • Compromised underlayment
  • Moisture intrusion
  • Structural movement
  • Damaged flashing
  • Insulation damage
  • HVAC impacts
  • Electrical system damage

A comprehensive evaluation may be necessary to determine the full extent of covered damage.


Additional Living Expenses (ALE)

If storm damage makes your home uninhabitable, your policy may provide coverage for additional living expenses.

Covered expenses may include:

  • Hotel accommodations
  • Temporary housing
  • Additional meal expenses
  • Storage costs
  • Laundry expenses
  • Increased transportation expenses

Proper documentation is often essential to recovering these benefits.


Common Problems with Wind and Hail Insurance Claims

Policyholders frequently encounter challenges when presenting storm damage claims.

Common issues include:

  • Claim denials
  • Underpayment of damages
  • Incomplete inspections
  • Delayed claim handling
  • Low repair estimates
  • Failure to identify all storm-related damage
  • Disputes over roof replacement
  • Improper depreciation calculations
  • Delays in payment
  • Partial claim denials

Many policyholders are surprised to learn that significant covered damage may have been omitted from the insurer’s estimate.


We Understand How Insurance Companies Evaluate Storm Claims

Attorney George Ketry brings a unique advantage to wind and hail damage disputes. Prior to practicing law, he worked as an insurance adjuster handling thousands of residential and commercial property claims.

This experience provides insight into:

  • Storm damage investigations
  • Insurance estimating software
  • Roofing damage assessments
  • Claims handling procedures
  • Coverage evaluations
  • Property inspections
  • Commercial and residential loss assessments

Understanding how insurers evaluate storm claims helps us identify issues that may impact the value of a loss.


Wind and Hail Damage Claims We Handle

Ketry Law Firm assists clients with claims involving:

  • Wind damage
  • Hail damage
  • Roof damage
  • Hurricane-related wind losses
  • Tornado damage
  • Water intrusion claims
  • Residential property claims
  • Commercial property claims
  • Condominium association claims
  • Apartment complex claims
  • Business interruption claims
  • Supplemental and reopened claims

Serving Property Owners Throughout Louisiana

Ketry Law Firm represents homeowners and commercial property owners throughout Louisiana, including New Orleans, Covington, Slidell, Baton Rouge, Lafayette, Houma, Lake Charles, Metairie, and surrounding communities.

If your property has suffered wind or hail damage and you are facing challenges with your insurance claim, we can help evaluate your claim and pursue the benefits available under your policy.


Contact Ketry Law Firm Today

Wind & Hail Damage Insurance Claims Representation

Ketry Law Firm, LLC

📞 504-648-7777
📧 george@ketrylaw.com
📍 19524 Highway 36, Covington, Louisiana 70433

We Handle:

  • Wind Damage Claims
  • Hail Damage Claims
  • Roof Damage Claims
  • Hurricane Claims
  • Tornado Claims
  • Residential Property Claims
  • Commercial Property Claims
  • Business Interruption Claims
  • Insurance Claim Disputes

Free Consultation Available