Hail Damage Insurance Adjuster

Hail can cause significant, often hidden, damage to your property’s exterior. Claims Advocate Resolution Experts is your expert hail damage insurance adjuster in Orlando, FL.

Top Hail Damage Insurance Adjuster in Orlando, FL

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Michele Weise
August 7, 2025

Claims resolution experts were top notch adjusters. My insurance company wasn’t willing to give me anything for the damages to my house and Peter with claims resolution experts was able to get me enough to fix my house plus extra. I highly recommend this company especially Peter. Brooke in the office has been a great pleasure to deal with also. Don’t hesitate hiring this company. They will fight for you tooth and nail and win.

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Aischa
July 21, 2025

The Public Adjusters in this office are very knowledgeable and honest. I highly recommend them if you need any help with any damages to your home from storm damages, hurricane, fire etc. Thank you for your great work CARE TEAM.

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Hasan Barakat
July 20, 2025

My insurance declined my initial claim, after my friend recommendation, I called Nader, then magic happened, full roof replacement approval. Highly recommended.

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beverly bas
March 4, 2025

I had an amazing experience working with C.A.R.E! My claims adjuster, Maali, was with me every step of the way …from determining roof damage, to dealing with insurance, and to getting me a new roof as required by my insurance company… I had so many questions along the way, but Maali made it seamless. I highly recommend working with this company as they will put your mind at ease and get the job done!

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Natalie Andrade
February 4, 2025

My experience with Nader has been nothing but great. He is very quick with responding, very happy with his service.

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Donna Lynn
June 11, 2024

I had a great experience with Maali Maali. He is attentive to questions and extremely efficient in his approach to his work. I can't say enough about his character and professionalism as an adjuster. His responsiveness and attention to my case is remarkable. Thankful so much for his hard work.

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Doug Kman
April 24, 2024

Nader Maali and his Associates at Claims Advocate Resolution Experts are a genuine pleasure to work with! I’ve referred several clients to C.A.R.E to assist with resolution of their disputed Insurance Claims and I have only gotten positive feedback. I also work with C.A.R.E on property damage claim appraisals and they always provide meticulous documentation and superior administrative support (thank you Brooke!) I would recommend Nader and his team for any property damage claim that you may need assistance with.

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Emily Hernandez
April 15, 2024

After being denied my claim and having my insurance rate skyrocket to almost $500.00 a month they assisted me with compassion and understanding. The work on my roof was exceptional, quick, and very top tier. Now my insurance is now less than when I submitted a claim. I would highly recommend them. Win win win

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Sam Mari
April 11, 2024

If you are in search of a claims advocate look no further than resolution experts. Nate was extremely knowledgeable, professional and helpful during my challenging situation. I would highly recommend his services.

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James Meehan
March 27, 2024

Nate was very thorough and knowledgeable through out the entire process. He always answered text and calls promptly. His understanding of the claims process was undeniable. He obtained what we were entitled to . He is highly recommended.

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Jose Alarcon
March 26, 2024

My wife and I are thoroughly impressed with Nader from CARE Public Adjusters. His meticulous inspection uncovered issues in our home that had been overlooked by other inspectors. We would not hesitate to enlist his services again. Nader's professionalism and guidance have been invaluable in navigating the paperwork necessary to restore our home to its pre-storm condition. Thank you, Nader, for your exceptional assistance.

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HOMEFIX
March 26, 2024

Nader's exceptional service exceeded our expectations, securing substantially higher insurance proceeds than we could have managed independently to repair our damaged roof. Many thanks to Nader for his outstanding efforts and a job well done!

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Maz Rabah
March 26, 2024

Would you go into a court of law without being represented by an attorney? Absolutely NOT! Then a person should NEVER deal directly with ANY insurance adjuster that is trained to minimize the claims payout to you. Having the protection of a professional insurance advocate like Nader and his team will guarantee you the max payout to repair your property the correct way. If you want the the very best representation from a expert in the insurance claims business, look no further than Nader @ Claims Advocate Resolution Experts. Trust me....you wont find anyone with more extensive knowledge and understanding of all insurance claims!

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Danielle Guzman
March 26, 2024

So great and easy to work with!

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Riad Kilani
March 25, 2024

My insurance universal property and casualty was giving me a hard time about a water leak that happened in the kitchen. I brought in claims advocate resolution experts and they were able to identify the damage and get on it right away. Insurance still didn't want to pay so claims advocate resolution experts got the right attorney on the job who had the insurance company settle out. If I ever need them again they're on speed dial!

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Accounting Veronica
March 25, 2024

Nader had the most professional attitude and I enjoyed working with him. Highly recommend

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Rema Maali
March 25, 2024

I can't thank Claims Advocate Resolution Experts enough for their incredible help in navigating the insurance claims process. They were with me every step of the way, providing expert guidance and ensuring I received a fair settlement. Their professionalism and dedication to their clients are truly commendable. I highly recommend Nader from C.A.R.E to anyone in need of assistance with their insurance claims!

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tony albustani
March 25, 2024

Nader with Claims Advocate Resolution Experts went above and beyond - truly exceeded my expectations. He was very professional and addressed all my questions and concerns all along the way. I absolutely recommend their services.

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Danny Hilwa
March 25, 2024

My Insurance company denied my claim. I reached out to Nader with Claims Advocate Resolution Experts. He was able to over turn the denial from the insurance company and get me a very fair settlement. I definitely recommend their services .

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Susan Ibrahim
March 24, 2024

Throughout the whole process you were very professional and a man of your word. I appreciated things went well and smooth. Definitely will refer you to others down the line.

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Alice Fatah
March 24, 2024

Nader did an amazing job. He was able to get the job done quick and explained every step of the process to me along the way.

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Andrea Rincones
March 24, 2024

Nader was absolutely a pleasure to work with and made the process of my claim quick and easy. He dealt with the insurance company and made sure we got what was fair for our damages.

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What truly sets Nader apart is his commitment to client satisfaction. He took the time to thoroughly explain each aspect of the process, patiently addressing any questions or concerns we had along the way. His transparency and clear communication fostered a sense of trust and confidence, reassuring us that our property was in capable hands.

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Stevenro402
March 23, 2024

I recently had the privilege of working with Nader for a commercial property claim, and I cannot express enough gratitude for his professionalism, expertise, and dedication throughout the entire process. From the moment we engaged their services, Nader demonstrated an unparalleled level of knowledge in navigating the complexities of commercial property insurance claims. His attention to detail and proactive approach was evident in every step, ensuring that our interests were fully represented and our claim was handled efficiently. I would highly recommend Nader to any commercial property owner in need of insurance claims assistance. His professionalism, integrity, and results-oriented approach truly set him apart in their field. Thank you, Nader, for your outstanding service and support!

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Mark Rodriguez
March 23, 2024

I can't thank Nader enough for his invaluable assistance with my house claim. His professionalism and dedication made a stressful situation much more manageable. He fought tirelessly on my behalf and delivered a favorable outcome. I wholeheartedly recommend his services to anyone seeking top-notch representation.

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Martha Buitrago
March 23, 2024

Thanks to Nader's advocacy and expertise, we were able to secure a fair and equitable settlement that far exceeded our expectations. Their dedication to maximizing our recovery while minimizing the stress and hassle associated with the claims process was nothing short of exceptional.

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Gerardo Lamour
March 23, 2024

Best of the best. All my clients are very happy with there service...

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A. MUBARAK
March 23, 2024

C.A.R.E. is an amazing alley to have when dealing with disasters at your home or business. Especially important when fighting against Insurance companies

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Hazim Mari
March 23, 2024

Quick efficient and honest, my kind of people. Thank you so much. How do you recommend anybody in need? Please don’t hesitate to call them!

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Kehle Antell
March 23, 2024

Best in the business!

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Graphics Unlimited
March 23, 2024

Great company best public adjuster I dealt with, the group has a top-tier track record for negotiating property insurance claims for businesses, condos, large commercial losses and residential property owners ,

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Bassem Wahab
March 23, 2024

The best very caring and professional!!!!

We Provide Hail Damage Insurance Adjuster Services Beyond Orlando, FL

Our team represents clients with hail damage claims across the Orlando metropolitan area. We provide expert public adjusting services from across the Orlando metro area and beyond:

Hour support available
Client Satisfaction
happy homeowners
properties inspected

Our Hail Damage Claim Service in Orlando, FL

The most critical area for hail damage is your roof, and identifying it requires a trained eye. Our public adjusters are experts in recognizing the specific signs of hail impact on various roofing materials, from asphalt shingles to metal and tile. On asphalt shingles, hail creates bruises that may not be visible from the ground, but they dislodge the protective granules and expose the underlying mat to UV degradation. On metal roofs, it causes dents that can compromise the protective coating. We physically get on your roof for a hands on inspection. We document every impact with detailed photos and measurements. This thorough process builds the undeniable evidence needed to prove the extent of the damage.

A comprehensive hail damage assessment goes far beyond just the roof. Our inspection process includes a complete evaluation of your property’s entire exterior. We carefully examine your siding for cracks, chips, and holes caused by hail impacts. We inspect gutters and downspouts for dents and dings that can affect their functionality. Window screens are often torn or punctured, and window frames and glazing can be damaged. Even your air conditioning unit is vulnerable, as hail can dent the delicate cooling fins, reducing its efficiency and lifespan. We document every instance of damage, no matter how small, to create a complete picture of your loss for the insurance company.

After identifying all areas of damage, our team meticulously documents the findings to build your claim. We create a detailed report complete with high resolution photographs, diagrams, and a comprehensive scope of loss. This scope outlines every necessary repair and replacement, using industry standard pricing software to ensure the cost estimates are accurate and justifiable. We do not just say the roof is damaged; we specify the exact type and extent of the damage and the correct method for repair or replacement according to local building codes. This professional documentation package shows the insurance company that we are serious and prepared to fight for a fair settlement based on facts.

A common tactic by insurance companies is to argue that the hail damage is merely “cosmetic” and does not affect the function of the roof or siding. They may also claim that the damage is from pre existing wear and tear, not the recent storm. Our public adjusters are skilled at countering these arguments. We differentiate between new hail damage and normal aging by looking for specific impact markers and comparing them to weather data from the date of the storm. We argue that “cosmetic” damage on a roof is functional damage, as it shortens the material’s lifespan and voids manufacturer warranties. We build a case based on industry standards and expert opinion to prove the necessity of replacement.

One of the most valuable services we provide is managing all communications with the insurance company. This relieves you of the stress and frustration of dealing with adjusters, requests for information, and negotiation tactics. We schedule and attend all inspections with the insurance company’s adjuster to point out the damages we have found. We submit your claim package and handle any follow up questions or disputes. You are kept informed at every stage, but you do not have to be on the front lines of the battle. We are your professional representative, ensuring your claim is handled efficiently and your voice is heard.

Our primary goal is to negotiate a settlement that covers the full cost of restoring your property. Insurance companies often offer to pay for only a few shingle repairs or to replace only one slope of a roof, creating an unsightly mismatch. We fight for a complete and proper resolution. If the damage is widespread, we argue for a full roof replacement to ensure the integrity and aesthetic value of your home are restored. We use our detailed evidence and knowledge of Florida insurance regulations to negotiate from a position of strength. Our persistence and expertise result in significantly higher settlements for our clients compared to what they could achieve on their own.

Once a fair settlement is agreed upon, our job is not over. We carefully review the insurance company’s settlement offer and all related paperwork to ensure it is accurate and reflects the negotiated terms. We make sure the payout correctly accounts for any deductibles and distinguishes between Actual Cash Value (ACV) and the recoverable depreciation you will receive after repairs are completed. We follow up with the insurer to ensure your checks are issued promptly. Our commitment is to see you through the entire process, from the initial inspection to the moment you have the funds needed to hire a contractor and make your property whole again.

Commonly Asked Flood Damage Insurance Adjuster Questions

Hail damage can be deceptive, and the insurance claim process for it can be confusing. Many property owners are unsure if they have damage or how to proceed with a claim. Below are answers to some of the most common questions about hail damage insurance claims.

Identifying hail damage on a roof can be difficult for an untrained eye, as it is often not visible from the ground. For asphalt shingles, which are common in Florida, you should look for dark spots or bruises where the protective granules have been knocked off. These impacts may feel soft to the touch, like a bruise on a piece of fruit. You might also notice an accumulation of black shingle granules in your gutters and downspouts after a storm. On metal surfaces like gutters, vents, or air conditioning units, look for dents and dings. On siding, you may see cracks, chips, or circular impact marks.

The safest and most effective way to determine if you have hail damage is to get a professional inspection. Climbing on a roof can be dangerous, and a professional knows exactly what to look for on different types of materials. Claims Advocate Resolution Experts offers a free, no obligation inspection. Our experts will get on your roof and conduct a thorough examination of the entire exterior of your property. We will take photos of any damage we find and show you exactly what the hail has done. This provides you with a clear understanding of your situation before you decide to file a claim.

Do not assume that because you do not see any leaks, your roof is fine. Hail damage often creates problems that manifest over time. The bruises on shingles expose the underlying mat to sunlight and moisture, which accelerates the aging of the roof and will eventually lead to leaks months or even years down the road. Addressing the damage promptly through an insurance claim protects the long term integrity of your home and your investment. A professional inspection is the first step in safeguarding your property after a hailstorm.

In the state of Florida, the statute of limitations for filing a property insurance claim for windstorm or hurricane damage, which includes hail, has specific time constraints. Historically, this timeframe has been subject to legislative changes, so it is important to act promptly. Generally, you are required to report the claim to your insurance company within a set period from the date the hailstorm occurred. Delaying the reporting of your claim can give the insurance company grounds to argue that the damage is from a different event or that you failed to meet your policy obligations. It is always in your best interest to file a claim as soon as you discover the damage.

The biggest risk in waiting too long is that it becomes more difficult to prove that the damage was caused by a specific hailstorm. As time passes, the evidence can degrade, and the insurance company may argue that the damage is due to normal wear and tear or a subsequent, undocumented storm. They may also contend that your delay in reporting the damage allowed it to worsen, which could lead to a partial or full denial. Promptly filing the claim establishes a clear timeline and strengthens your case considerably.

To avoid any issues with filing deadlines, you should contact a public adjuster for a free inspection immediately after you suspect your property has been damaged by hail. We can quickly assess the damage and advise you on the next steps. We will ensure your claim is filed properly and within all the required timeframes set by both your policy and Florida law. Do not risk losing your right to compensation by waiting; let us help you get the process started correctly and on time.

This is a very common concern for homeowners, but in most cases, the answer is no. Insurance companies are prohibited by law in Florida and most other states from raising your individual premium as a direct result of filing a claim for damage caused by a natural disaster, which is often referred to as an “Act of God.” Hailstorms fall into this category, along with hurricanes and tornadoes. Your insurer cannot single you out and penalize you for experiencing a weather event that was completely outside of your control. This is different from “at fault” claims, like a liability claim, which can impact your rates.

However, it is possible for insurance rates to increase for an entire geographic area after a major weather event. If a hailstorm causes widespread damage across a whole zip code or county, the insurance company might raise rates for everyone in that area to cover their increased risk and losses. This rate increase would happen regardless of whether you personally filed a claim or not. Therefore, choosing not to file a legitimate claim does not protect you from a potential area wide rate hike. You would end up paying the higher premium without getting the benefit of having your property repaired.

Failing to file a claim for existing hail damage can lead to much bigger problems down the line. The damage will only get worse, leading to leaks, water damage, and mold, which may not be covered later if the insurer can prove it was due to your failure to maintain the property. The smart financial decision is to use the insurance you have been paying for to restore your property. A public adjuster can help you ensure your claim is handled properly and that you get the full amount needed to make necessary repairs, protecting your home’s value and safety.

A public adjuster uses a multi-layered approach to gather and present evidence to prove a hail damage claim. The primary evidence is a meticulous physical inspection of the property. We get on the roof and mark every single hail impact with chalk, creating a clear visual representation of the damage density. We take hundreds of high resolution photos of these impacts, as well as damage to gutters, siding, and AC units. We also take measurements of the hail bruises on the shingles and dents on metal surfaces. This direct physical evidence is the foundation of the claim.

To support the physical evidence, we use scientific and meteorological data. We obtain certified weather reports from trusted sources like the National Oceanic and Atmospheric Administration (NOAA). These reports can confirm that a severe thunderstorm with hail of a specific size passed directly over your property on a specific date. This data powerfully corroborates our physical findings and makes it very difficult for the insurer to argue that the damage is from another cause. It provides a scientific basis for the claim that goes beyond just our observations.

Finally, we may use expert testimony and industry standards to strengthen the case. We can cite roofing manufacturer guidelines which state that a hail impact of a certain size voids the product warranty and compromises its lifespan. We can also bring in an independent engineer or roofing consultant to provide a third party expert report on the cause and extent of the damage. By combining detailed physical evidence, certified weather data, and expert opinions, we build an ironclad claim that is prepared to withstand the highest levels of scrutiny from the insurance company.

The distinction between cosmetic and functional damage is a frequent point of contention in hail claims. Insurance companies often try to classify damage as “cosmetic” to avoid paying for a full replacement. Cosmetic damage is defined as damage that affects the appearance of a surface but not its ability to function as intended or its expected lifespan. For example, a few small dings on a metal gutter might be classified as cosmetic. The gutter still functions to carry water away, and the dings do not compromise its integrity. The insurer might argue they do not have to pay for it.

Functional damage, on the other hand, is damage that impairs the performance or shortens the service life of a building component. On an asphalt shingle roof, this is a critical distinction. When hail knocks off the protective granules, it exposes the underlying asphalt mat to UV radiation from the sun. This exposure causes the mat to become brittle and crack over time, leading to leaks. While the roof may not leak immediately after the storm, its ability to protect your home has been compromised and its lifespan has been significantly reduced. This is functional damage, and it warrants a full replacement of the affected slopes.

Claims Advocate Resolution Experts is an expert at arguing this distinction. We contend that on a roofing system, there is no such thing as purely cosmetic hail damage. The purpose of the roofing material is to shed water and protect the home for a specific number of years. Any hail impact that shortens that lifespan is functional damage. We use industry standards, manufacturer specifications, and expert testimony to prove that the “cosmetic” damage identified by the insurer is actually functional damage that requires replacement. We fight to ensure you get a settlement that truly restores your property’s protection, not just its appearance.

Getting an estimate from a reputable roofing contractor can be a valuable step, but the timing and context are important. A roofer’s estimate can serve as a useful piece of evidence to include in your claim. It provides a real world, market based cost for what a professional believes it will take to repair or replace your roof. This can be a helpful benchmark when negotiating with the insurance company. However, you should be very careful not to sign any binding contract or “assignment of benefits” form with the roofer at this stage. You should only request a detailed estimate for the work.

The role of a roofer is to assess the damage from a contractor’s perspective and provide a price for the repairs. The role of a public adjuster is to manage the entire insurance claim process, from proving the damage is covered to negotiating the final settlement amount. It is best to have a public adjuster on your side before you file the claim. We can take the roofer’s estimate and incorporate it into the comprehensive claim package we build for you. We ensure the roofer’s scope of work is complete and includes everything necessary, such as code upgrades or interior repairs.

The ideal process is to first call Claims Advocate Resolution Experts for a free inspection. We can help you determine the extent of the damage and whether filing a claim is the right course of action. We can then work with you to obtain an estimate from a trusted roofer to use as supporting documentation for the claim we will manage on your behalf. This approach ensures you have expert representation for the claim itself while using the contractor’s expertise as a tool to support the claim, all without locking you into a premature and potentially risky contract.

If your insurance company is only offering to pay for minor repairs when you believe the damage is widespread, you should not accept their offer without getting a second opinion. This is a very common strategy used by insurers to minimize claim payouts. They may send an adjuster who quickly inspects the roof and concludes that only a few shingles need to be replaced. This often fails to address the full extent of the damage and can lead to significant problems in the future, including a mismatched and unsightly roof that may still be vulnerable to leaks in other areas.

The first step is to contact a public adjuster like Claims Advocate Resolution Experts . We will conduct our own independent and much more thorough inspection of your roof. We document every single hail impact we can find across all slopes of the roof. If the damage is extensive, repairing just a few shingles is not an appropriate solution. We will build a comprehensive report with photographic evidence and a detailed estimate for a full roof replacement. A patch job on a roof is almost never the right answer, as it is impossible to guarantee a perfect seal and the new shingles will not match the color of the older, weathered ones.

Armed with our evidence, we will reopen negotiations with your insurance company. We challenge their adjuster’s findings and present our case for why a full replacement is necessary to return your property to its pre loss condition, as your policy requires. We can invoke the appraisal clause in your policy if necessary, which is a dispute resolution process. You do not have to accept the insurance company’s first offer. Having a professional advocate on your side gives you the leverage you need to fight for the fair and complete settlement required to properly repair your home.

Claims Advocate Resolution Experts is an expert in leveraging Florida’s insurance regulations to ensure you are compensated for a proper, visually uniform repair. We understand the “matching” principle, which is based on the policy’s promise to restore your property with materials of “like kind and quality.” When an insurance company proposes to replace only a portion of your roof or siding with materials that do not match the existing, undamaged sections, we argue that this fails to meet their contractual obligation. A mismatched exterior is not “like kind and quality” and can significantly diminish your property’s value.

Our process begins by documenting the material mismatch. We take photos showing the difference in color and texture between the new, proposed materials and the older, weathered materials. We also determine if the original roofing or siding materials are still available from the manufacturer. If the original product has been discontinued, it provides a very strong argument that a patch repair is impossible, and a full replacement of the entire section is necessary to achieve a uniform look. We make it clear to the insurer that a patchwork solution is unacceptable.

We then formally present this argument to the insurance company, citing the relevant Florida statutes and policy language. We negotiate firmly for a settlement that is sufficient to replace the undamaged portions of the roof or siding as needed to create a consistent and aesthetically pleasing appearance. We have a very high success rate in these negotiations because the principle of restoring a home’s visual uniformity is well established. Our expertise in this specific area prevents you from being stuck with an unsightly repair job that devalues your home.

We Are More Than Just Hail Damage Public Adjusters!

Our expertise in handling exterior damage claims goes beyond hail. Claims Advocate Resolution Experts also provides professional representation for clients with roof damage from any cause, as well as broader storm damage and wind damage claims. We are your comprehensive advocates for any type of property damage claim.

Why Property Owners Choose CARE As Their
Public Adjusters In Orlando, FL

We Fight for Fair Settlements

While insurance company adjusters work to minimize payouts, we work exclusively for you to maximize your rightful recovery under your policy terms.

Expert Policy Interpretation

Our team excels at interpreting complex policy language and identifying coverage benefits that insurance companies often overlook or undervalue.

Aggressive Negotiation

We challenge lowball offers, fight claim denials, and negotiate relentlessly using industry standards and expert documentation.

Complete Transparency

We provide clear explanations of your coverage, honest assessments of your claim’s value, and regular updates throughout the entire process.

Always Available When You Need Us

Business Hours

Monday-Sunday 9AM-7PM

Walk-ins Welcome

Appointments preferred but not required

Get Hail Damage Insurance Claim Help Near You!

Contact Claims Advocate Resolution Experts for a free inspection and claim review by booking a call back using our 24/7 self service system or by calling (844) 932-2731 directly.