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To understand how hail damage affects buildings and insurance claims requires understanding both the technical aspects of damage assessment and the human element of homeowner expectations. In this enlightening solo episode, Chantel Roberts dives deep into the world of structural and roof hail damage claims, offering critical insights for adjusters and policyholders alike.

Chantel breaks down the fundamental differences between cosmetic and structural damage, explaining how adjusters evaluate bruising, cracking, granule loss, and punctures to determine if a roof's integrity has been compromised. She addresses the controversial "matching principle" – when insurers must replace undamaged portions of siding or roofing to maintain a uniform appearance – and how this varies dramatically based on policy language, state regulations, and court interpretations.

The episode offers a candid look at why homeowner expectations often clash with policy realities. Many policyholders purchase policies with cosmetic damage exclusions or percentage-based deductibles without fully understanding these limitations until they file a claim. Chantel emphasizes that while adjusters didn't create these misunderstandings, effective communication becomes their responsibility during the claims process.

Particularly valuable is Chantel's practical advice for handling supplements, setting clear expectations with insureds about the repair process, and balancing thorough investigations with prompt payment. With storm events generating massive claim volumes (147,000 claims and $442 million in payments in Kansas alone in 2023), adjusters must master both technical assessment skills and effective communication strategies.

Whether you're an experienced adjuster, new to the profession, or a homeowner trying to understand your coverage, this episode provides essential knowledge about how hail claims are evaluated and settled. Subscribe to the Art of Adjusting podcast for more insights into the complex world of insurance claims handling.

For more insights, you might consider a career in liability adjusting or if you're searching for reliable adjusting services, visit Auten Claims Management.

To explore more about Chantal Roberts and her contributions to the industry, visit CMR Consulting.

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