How to Handle Hail Damage Insurance Claims (Tips from Experienced Homeowners)

Have you recently experienced a hail storm and are unsure how to handle your insurance claim?

Well, we’re here to help.

We’ve talked to a few experienced homeowners about their experiences with insurance claims after a hailstorm, and we’ve compiled the best tips for handling your claim into one handy article.

How does hail damage insurance work?

Hail damage insurance, also known as comprehensive coverage, protects your vehicle from hailstorm damage.

With comprehensive coverage, you can file a claim for hail damage by documenting the damage and contacting your insurance provider promptly.

An insurance adjuster will assess the damage and estimate repair costs.

You’ll pay the deductible specified in your policy, and your insurance company will cover the remaining costs within your coverage limits.

Once approved, you can proceed with repairs at a shop of your choice or one recommended by your insurer.

Keep records of documents and expenses for reimbursement.

Review your policy or consult with your agent to understand coverage details, exclusions, and limitations specific to hail damage.

Does homeowners’ insurance cover hail damage repairs?

Homeowners’ insurance typically covers hail damage repairs. Homeowners insurance is designed to provide financial protection for your home and its contents in the event of covered perils, including hailstorms.

Here’s how it generally works:

  • Policy coverage: Homeowners insurance policies typically include coverage for damage caused by hail. The specific details of coverage, including deductibles, limits, and exclusions, will be outlined in your policy documents. Review your policy or consult with your insurance agent to understand the extent of coverage for hail damage.
  • Damage assessment: If your home sustains hail damage, you should assess the extent of the damage and document it thoroughly. Take pictures or videos of the affected areas to support your insurance claim. Depending on the severity of the damage, you may want to contact a professional contractor or roofing expert to evaluate the situation.
  • Filing a claim: Contact your insurance provider as soon as possible to report the hail damage and initiate the claims process. They will guide you through the necessary steps and provide you with the required forms and instructions. Be prepared to provide details about the incident, such as the date, time, and description of the hailstorm.
  • Claims evaluation: An insurance adjuster will be assigned to assess the damage and estimate the cost of repairs. They may visit your property to inspect the damage or request photos and documentation from you. The adjuster will consider factors such as the extent of the damage, the age and condition of your home, and the local market costs of repairs.
  • Deductible and coverage limits: Similar to auto insurance, homeowners’ insurance policies have a deductible. This is the amount you agree to pay out of pocket before your coverage applies. Review your policy to understand your deductible amount. The insurance company will cover the remaining repair costs up to the limits specified in your policy.
  • Repair process: Once your claim is approved, you can proceed with the repairs. Depending on your insurance company’s policies, they may provide you with a list of approved contractors or allow you to choose your own. It’s important to follow any guidelines provided by your insurance company to ensure a smooth and successful repair process.
  • Payment: After the repairs are completed, your insurance company will either directly pay the contractor or reimburse you for the covered expenses, depending on their policies. Keep records of all receipts, invoices, and communication with the contractor and insurance company for documentation and reimbursement purposes.

How do I make an insurance claim for hail damage?

Document and photograph damages

Take thorough pictures or videos of the hail damage to your property. Capture the extent of the damage from multiple angles and close-ups.

This documentation will serve as evidence for your claim and help in the assessment process.

Call your insurer and file a claim

Contact your insurance company’s claims department as soon as possible after the hailstorm. Provide them with all the necessary details about the incident, including the date, time, and location.

Be prepared to provide your policy information and a description of the damages.

Collect repair estimates

Obtain repair estimates from reputable contractors or roofers in your area. Request detailed written estimates that outline the scope of work, materials required, and the estimated cost of repairs.

Keep copies of these estimates for your records and to submit to your insurance company.

Insurance adjuster inspects roof

An insurance adjuster will be assigned to assess the hail damage and determine the coverage amount. They will schedule an inspection of your property, specifically focusing on the roof.

It’s important to be present during the inspection to point out all visible damages and provide the repair estimates you collected.

Receive a payout from your insurer

Once the insurance adjuster completes their evaluation, your insurance company will determine the coverage amount based on your policy terms and the adjuster’s findings.

They will provide you with a payout for the repairs, minus any applicable deductible. Review the details of the payout and ask any questions you may have.

Hire a contractor for repairs

With the payout received, you can proceed to hire a reputable and licensed contractor to carry out the necessary repairs. It’s advisable to select a contractor experienced in hail damage repairs who can provide appropriate warranties for their work.

Ensure that the contractor’s estimate aligns with the payout amount from your insurer.

Tips from homeowners on how to handle hail damage insurance claims

  • Know the insurance claims process: Familiarize yourself with the steps involved in filing an insurance claim for hail damage. Understanding the process can help you navigate it more efficiently.
  • Research your home insurance policy: Review your home insurance policy to understand the coverage, deductibles, and limitations related to hail damage. Knowing what your policy covers will help you make informed decisions during the claims process.
  • Contact your insurer to file a claim: As soon as you discover hail damage, contact your insurance company to initiate the claims process. Report the damage promptly and provide all necessary information to start the claim.
  • Inspect for damage and document costs: Conduct a thorough inspection of your property to identify all hail damage. Take photos and videos, and document the estimated costs of repairs. This evidence will support your claim and ensure you receive appropriate compensation.
  • Find quality hail repair contractors: Research and identify reputable contractors who specialize in hail damage repairs. Seek recommendations from friends, family, or trusted sources. Ensure the contractors you hire have the necessary expertise and proper licenses.
  • Gather proof of damage: Collect all evidence of hail damage, including photographs, videos, and written estimates from contractors. These documents will help substantiate your claim and demonstrate the extent of the damage.
  • Ask your insurer any questions: If you have any doubts or concerns about the claims process, policy coverage, or other aspects of the claim, don’t hesitate to reach out to your insurance company. Ask questions and seek clarification to ensure you have a clear understanding of the process and your coverage.
  • Follow your insurer’s claims process: Adhere to the procedures and guidelines provided by your insurance company for filing and processing the claim. Follow their instructions and provide any additional information or documentation they request promptly.
  • Clarify insurance coverage with questions: Seek clarification from your insurance company regarding the coverage for hail damage and any specific policy provisions that may affect your claim. Make sure you fully understand the coverage limits, deductibles, and any exclusions related to hail damage.

What kind of documentation will I need for a hail damage claim?

  • Proof of hail damage: Take clear photographs or videos that clearly show the extent of the hail damage to your property. Capture multiple angles and close-ups of the affected areas.
  • Date and time of hailstorm: Keep records of the date and time when the hailstorm occurred. This information helps establish the timing of the damage and supports your claim.
  • Insurance policy details: Have your insurance policy information readily available, including your policy number, coverage limits, and deductible amount. This information will be necessary when filing the claim.
  • Written repair estimates: Obtain written estimates from reputable contractors or roofers detailing the scope of work and cost of repairs. These estimates serve as evidence of the estimated cost to repair the hail damage.
  • Proof of ownership: Provide documents that establish your ownership of the property, such as property deeds or purchase agreements.
  • Previous inspection reports: If you have any recent inspection reports for your property, provide them to your insurance company. They can serve as a reference point for the pre-existing condition of your property.

How much does hail damage insurance typically pay out?

The payout for hail damage insurance claims varies depending on several factors, including the policy limits, deductible amount, extent of damage, and terms of your insurance policy.

Typically, the insurance company will cover the cost of repairs up to the policy’s coverage limits, minus the deductible.

The average home insurance payout for hail damage can vary and may include coverage for more than just roof repairs. The estimated average payout of $12,000 takes into account various factors such as the severity of the hailstorm, the extent of damage to the property, and the coverage limits of the insurance policy.

It’s important to note that this is just an average, and individual payouts can vary significantly depending on the specific circumstances and terms of the insurance policy.

Review your specific insurance policy or consult with your insurance agent to understand the payout details for your coverage.

Can you negotiate a hail damage claim?

It is possible to negotiate a hail damage claim.

If you believe that the initial settlement offer from your insurance company does not adequately cover the damages, you can engage in negotiations.

To increase your chances of a successful negotiation, gather comprehensive documentation of the hail damage, including photographs, repair estimates, and any other relevant evidence.

Obtain multiple estimates from reputable contractors to demonstrate the varying costs of repairs.

Review your insurance policy to understand the coverage limits and provisions related to hail damage.

Clearly communicate your position to the insurance adjuster, providing supporting evidence and explaining why you believe the initial offer is insufficient.

Consider seeking professional assistance from a public adjuster or attorney with expertise in insurance claims if needed.

Throughout the negotiation process, maintain open and respectful communication with your insurance company, and be prepared to provide additional documentation or information as requested.

What should I look for in a roofing contractor for hail damage repairs?

When selecting a roofing contractor for hail damage repairs, there are several key factors to consider.

First, ensure that the contractor is licensed, insured, and bonded to protect yourself against any liability. Look for a contractor with experience handling hail damage repairs and a solid reputation in the industry.

Check for certifications and memberships in professional roofing associations as a sign of their expertise and commitment to quality.

It’s also important to review their portfolio of previous work and read customer reviews or testimonials to gauge their reliability and customer satisfaction.

Request detailed written estimates and compare them to ensure transparency and fair pricing. Lastly, communicate and ask questions to assess their knowledge, responsiveness, and willingness to address any concerns you may have.

What are the pros and cons of hiring a public adjuster for a hail damage claim?


  • Expertise and advocacy: Public adjusters are experienced professionals who specialize in insurance claims. They have in-depth knowledge of the claims process and can navigate it on your behalf, ensuring that you understand your rights and receive a fair settlement.
  • Documentation and evidence: Public adjusters can help gather and document evidence of hail damage, ensuring that all aspects of the damage are properly assessed and included in your claim. They know what information is required to support your case and can strengthen your claim with thorough documentation.
  • Negotiation skills: Public adjusters are skilled negotiators who can engage with your insurance company’s adjuster on your behalf. They have experience maximizing claim settlements and can work to secure a higher payout for your hail damage.
  • Time and stress savings: Hiring a public adjuster can save you time and reduce stress. They handle the entire claims process, from initial assessment to negotiations, allowing you to focus on other priorities and minimizing the burden of dealing with the insurance company.


  • Fees: Public adjusters typically charge a percentage of your claim settlement as their fee, usually ranging from 5% to 20%. This cost can eat into your overall payout, and if the settlement is low, the fee may outweigh the benefits gained.
  • Unnecessary involvement: Depending on the complexity of your claim, you may not need a public adjuster. If the damage is minor and the insurance company is cooperative, you may be able to handle the claim process on your own without incurring additional expenses.
  • Finding a reputable adjuster: Not all public adjusters are created equal. It’s important to research and choose a reputable and trustworthy adjuster with a track record of success. Be cautious of any adjuster who guarantees a specific outcome or pressures you into signing an agreement.
  • Loss of direct control: Hiring a public adjuster means relinquishing some control over the claims process to a third party. While they work on your behalf, you may have less direct involvement in the negotiations and decision-making.

What should I do if I disagree with the adjuster’s assessment?

If you disagree with the adjuster’s assessment of your hail damage claim, there are several steps you can take.

First, review your insurance policy to understand the coverage and provisions related to hail damage.

Seek clarification from the adjuster by requesting a detailed explanation of their assessment and evidence supporting their conclusions.

If you still disagree, gather additional documentation and evidence to support your position, such as photographs, professional opinions, or estimates from reputable contractors.

Contact your insurance company to request a reassessment, and if necessary, involve a supervisor or manager.

If the dispute persists, consider engaging a public adjuster or seeking legal advice for further assistance in advocating for a fair settlement.

Can you claim hail damage twice?

Regarding claiming hail damage twice, typically, you cannot claim the same hail damage twice.

Once you have filed a claim and received a settlement for the hail damage, any subsequent claims for the same damage will likely be considered fraudulent.

Insurance companies expect that repairs or replacements have been made using the initial settlement.

However, if new hail damage occurs after the initial claim, you can file a separate claim for the new damage.

Is it worth filing a claim for hail damage?

Whether it is worth filing a claim for hail damage depends on several factors.

Consider the severity of the damage, your deductible amount, and the potential impact on your insurance premiums.

If the damage is minor and the repair costs are close to or below your deductible, it might be more cost-effective to pay for the repairs out of pocket.

However, if the damage is significant and exceeds your deductible, filing a claim could help cover the repair costs.

It’s important to review your insurance policy, weigh the costs and benefits, and consider seeking advice from your insurance agent to make an informed decision.

What are the common mistakes to avoid when filing a hail damage claim?

  • Waiting too long: Delaying the filing of your claim can lead to complications and potential denial. Report the hail damage to your insurance company as soon as possible to initiate the claims process promptly.
  • Insufficient documentation: Failing to document the hail damage adequately can weaken your claim. Take clear photographs or videos that clearly show the extent of the damage. Document the date and time of the hailstorm as well. This evidence will support your claim and help ensure a fair assessment.
  • Not reviewing your policy: It’s essential to review your insurance policy to understand the coverage, deductibles, and limitations related to hail damage. Familiarize yourself with the terms and conditions so you know what to expect and can provide accurate information when filing the claim.
  • Overlooking hidden damage: Hail damage is not always immediately visible. Thoroughly inspect your property, including the roof, siding, windows, and other vulnerable areas. Consult with professionals if needed, as they can identify hidden damage that you may have overlooked.
  • Disposing of evidence: Avoid throwing away damaged items or making repairs before the insurance adjuster inspects your property. Preserve any damaged materials or items as evidence until the inspection is complete.
  • Settling for an inadequate settlement: Don’t accept a settlement offer that you believe is insufficient to cover the necessary repairs. If you disagree with the adjuster’s assessment, gather additional evidence, seek professional opinions, and consider negotiating or involving a public adjuster to advocate for a fair settlement.
  • Not understanding the process: Familiarize yourself with the claims process and follow the instructions provided by your insurance company. Communicate with your adjuster, ask questions when needed, and keep a record of all interactions and correspondence related to your claim.
  • Not seeking professional help if necessary: If you encounter challenges or feel overwhelmed, consider seeking assistance from a public adjuster or an attorney experienced in insurance claims. They can provide guidance, ensure your rights are protected, and help navigate the process more effectively.

What should you do if insurance denies your claim?

If your insurance claim is denied, there are steps you can take to address the situation.

First, review the denial letter or communication from your insurance company to understand the reasons for the denial.

It’s essential to thoroughly examine your insurance policy and ensure that the denial is justified based on the terms and coverage.

If you believe the denial is unjust, gather all supporting documentation and evidence to challenge the decision.

Contact your insurance company to discuss the denial, provide additional information, or request a reevaluation of your claim.

If the issue persists, consider seeking legal advice or involving a public adjuster to assist in disputing the denial and advocating for a fair resolution.

Does filing insurance claims really change insurance rates?

When it comes to insurance rates, filing insurance claims can potentially impact your rates.

Insurance companies consider various factors when determining premiums, and claims history is one of them.

Filing multiple claims, especially for minor damages, may lead to an increase in your insurance rates. Insurers view policyholders who frequently file claims as higher-risk individuals.

However, the extent to which claims affect rates can vary depending on the insurance company, policy terms, and individual circumstances.

It’s advisable to review your insurance policy and consult with your insurance agent to better understand how filing claims may impact your rates.

In some cases, it may be more cost-effective to handle smaller repairs out of pocket to avoid potential rate increases.

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Author: Logan

I help people connect with businesses