Roof Hail Damage: Tips For Homeowners Filing Insurance Claims

by Connor Pena

As a homeowner, hail storms can be a nerve-racking experience. Large hail and high winds can cause serious damage to your roofing, gutters, windows, and other components of your house. Fortunately, if you have homeowners insurance, you should be covered for any necessary roofing repairs or replacements caused by inclement weather like hail. Before you file a hail claim on your roof, however, there are some things you need to know.

Snap Photos Immediately After the Storm

Getting your claim approved as quickly and seamlessly as possible starts with careful documentation of the damage. As soon as it's safe to do so after the hail storm, head outside and snap some photos of any remaining hail pellets on the ground. During the storm, you may even want to record some video of the hail falling outside, but only if safe to do so. Your insurance adjuster may ask for photos or other documentation like this later on.

Schedule a Professional Roof Inspection

You can't just assume that your roof is damaged just because there was a hail storm; today's roofs are built to withstand all kinds of severe weather. Instead, you'll need to schedule a roof inspection with a reputable roofing company. The inspection itself should be free, and a professional should be able to get up on your roof and determine whether or not you need repairs that may be covered by your insurance company. When selecting a roofing company, check the Better Business Bureau and stick with a company that has a high rating (A- or higher).

Gather Information Before Calling Your Agent

Now, it's time to call your insurance agent. Before you do, make sure you have the following information readily available:

  • insurance policy number and deductible amount
  • photos/videos, hail size (if known), date and time of incident
  • any paperwork given to you by your roofing contractor

Follow-Up With Your Agent and Claim Team

Once you've notified your agent of the claim, he or she will likely send out a claims adjuster to perform another inspection. It is helpful to have your roofing contractor present when this takes place. During this second inspection, the roof damaged will be assessed by your insurance company's team, a report will be written by the adjuster, and a decision will eventually be made regarding your claim. The process can be quite drawn out, so don't hesitate to call your insurance agent every few days to ask for updates until you receive a decision. 

For more information about roof repairs, contact a professional like Roof Tech.