Michigan Hail Damage Insurance Claims: Why High-Value Properties Need Expert Legal Representation
Severe hailstorms have become one of the most costly and escalating threats to homes and commercial buildings across Michigan. In communities like Metro Detroit, Grand Rapids, Ann Arbor, and Northern Michigan, we’ve seen hailstones the size of golf balls—and worse—shatter windows, destroy siding, compromise roofs, and interrupt business operations.
At Fabian, Sklar, King & Liss, we don’t just help you file a hail damage insurance claim—we help you fight back when insurers undervalue or deny what you’re rightfully owed.
Michigan’s Increasing Hail Risk: Real Damage, Real Delays
According to the National Oceanic and Atmospheric Administration (NOAA), hail-related insurance claims have surged throughout the Midwest—including in Michigan. Hailstorms now frequently produce major damage, including:
Commercial Property Losses: Roof damage to shopping centers, factories, condo complexes, and industrial buildings often results in expensive repairs and business interruption claims.
Luxury Residential Claims: Homes with slate, tile, or standing seam metal roofing often face misclassified or undervalued losses. These materials are expensive—and insurers regularly underprice replacement costs.
Water and Mold Intrusion: When hail breaches a roof or window system, secondary water damage, insulation failure, and mold risk quickly follow—leading to additional disputes over coverage.
Why Insurance Companies Deny or Dispute Hail Damage Claims
Despite obvious hail-related destruction, Michigan insurers often dispute claims for three main reasons:
• Alleged Pre-Existing Damage: They claim your roof or siding was already compromised by wear and tear.
• Insufficient Documentation: They argue you didn’t provide enough proof—even when evidence is clear.
• Undervalued Losses: Especially for specialty materials, they quote repairs far below real replacement costs.
Our attorneys have seen these tactics repeatedly. Learn more about why insurers delay or deny legitimate claims—and how we respond.
Not Every Hail Claim Needs a Lawyer. But High-Value Ones Do.
Small hail claims might be routine—but when the damage is significant, so is the insurer’s resistance. You need legal help when:
• Your insurer undervalues high-end roofing systems like slate or copper
• Business interruption losses are ignored or downplayed
• The insurer sends investigators or demands an Examination Under Oath (EUO)
• You’re buried in documentation requests with no movement
If any of this sounds familiar, contact us now before your claim is irreparably delayed or denied.
How Our Firm Protects Michigan Property Owners After Hailstorms
At Fabian, Sklar, King & Liss, we don’t wait for denial—we act early. Our legal team:
• Performs deep policy analysis to identify covered losses
• Hires independent roofing and damage valuation experts
• Negotiates firmly with insurers using real-world market data
• Litigates when delay tactics or underpayment persist
We’ve represented property owners in Birmingham, Indian Village, Clarkston, and throughout Michigan—securing full-value settlements even when insurers refused to cooperate.
Why Legal Advocacy Matters in Hail Claims
“Severe hail damage claims—especially those involving high-value properties or significant commercial buildings—often turn contentious. Michigan insurance companies frequently undervalue or dispute costly hail losses. Our role is to thoroughly document your damage, navigate complex insurance issues, and aggressively advocate for your full recovery, ensuring your insurer fulfills its promises.”
– Jason Liss, Managing Shareholder
Do you have a high value commercial building or homeowners insurance claim?
Don’t wait until your claim is denied. Let our team level the playing field before your insurer delays or undervalues your loss. Request a free consultation today.