Germania Today | Fall 2019

in the wake of hail damage and calm collected

Staying

Report a claim by phone by calling 1-877-437-6264, or file a claim online at www.germaniainsurance.com/

exas is once again hailed as the leader of annual hail insurance claims in the nation, according to a three- year analysis conducted by the National Insurance Crime Bureau (NICB). The Lone Star State accounted for 39% of all claims filed last year, totaling more than four times as many hail claims as the second leading state, Colorado. Two locations in Texas – San Antonio and Plano – ranked in the top five cities for hail loss claims. Hail can hit swiftly and unexpectedly. As a Germania policyholder, if you are concerned hail caused damage to your property during a storm, ensure prompt investigation by filing a claim as soon as possible.

claims-report/report-a-claim. What to do after filing a claim

• Although your roof will likely be inspected by an adjuster, you may want to take additional photos of any interior water damage and/or damage to personal property around the perimeter of the home. • Save receipts for incurred cost of temporary repairs to provide to your assigned claims adjuster. • Reach out to local resources, such as friends, neighbors, or your Germania agent, to find a reputable contractor. Once you have chosen a contractor, discuss the repair, warranty, and timeline for completion prior to signing the contract. Also, be sure to read any fine print included on the repair agreement. Never pay the full amount up front or make the final payment until all work is completed properly. If applicable, contact your mortgage lender to find out their process for endorsing claim payment checks for damage to the property. Requirements vary from lender to lender regarding what documentation is needed to release the check for repairs. Germania’s claims adjusters are licensed professionals who specialize in identifying damage, preparing repair estimates, and interacting with contractors. Most importantly, we are here to serve you. If you have any questions or concerns that arise throughout the claim or repair process, please contact your claims adjuster.

10 | Germania Today

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