How Do I File a Hail Damage Claim With Insurance?

Before you call your insurance company, walk around your property and take clear photos of every hail impact. Capture the roof, siding, gutters, windows, and any outdoor equipment like AC units. Note the date of the storm and the size of the hail if you know it. This evidence helps your claim.

Make a list of damaged items, including the approximate age of your roof or other materials. If you can safely access the attic, look for water stains or leaks. Do not climb on a steep or wet roof. Your safety comes first. Save all photos and notes in one folder for easy reference.

• Photograph roof shingles, gutters, and downspouts.
• Photograph siding, window frames, and exterior doors.
• Photograph any dents on cars, but note auto claims are separate.
• Record the storm date and hail size from local weather reports.
• List damaged items with their approximate age and condition.
• Keep a written log of any temporary repairs you make.

Your insurance company will send an adjuster to inspect the damage. Before the visit, review your photos and notes so you can point out specific areas. Walk around with the adjuster if you can, but do not argue about the extent of damage. Simply provide your evidence and let the adjuster do their job.

If you have already made temporary repairs, show the adjuster what you did and provide receipts. Ask the adjuster for a copy of their report or a summary of findings. Keep all communication in writing when possible. This helps if you need to appeal a decision later.

Once your claim is approved, you can hire local water damage pros to handle the repairs. They can assess the full extent of the damage, including hidden issues like water intrusion in your attic or walls. Their work usually includes drying, cleaning, and repairing affected areas.

If hail caused leaks that led to water damage, the pros may need to dry out your home before repairs. They can also document the damage for your insurance file. For complex jobs, they often coordinate with other trades like roofers or electricians. Ask for a clear plan and timeline before work begins.