How to File a Roof Hail Damage Insurance Claim

This article explains how to file a roof hail damage insurance claim, insurance claim process and how to hire a roofing contractor to replace an asphalt shingle roof.

Hair Storm Project Series – Table of Contents

The articles in this hail damage roof replacement series are:

This project series will help you negotiate the best roofing contract and show you what to expect during the roof tear-off and installation process.

Hail Storm Roof Shingle Damage

My asphalt shingle roof sustained hail damage during a severe thunderstorm. The damage was not an emergency causing roof leak right now, rather it was functional damage affecting the life of the shingles that if not repaired could cause a leak over time. It was late afternoon when a thunderstorm rolled in from the west. I thought nothing of it until I heard what sounded like gravel pelting the windows – it was hailing large stones over 1 inch in diameter.

I went out to the covered front porch and took video of the storm with my iPhone. The storm quickly intensified with high winds, pouring rain and large hail. The hail stripped leaves from the trees, filling the air. My guess is the winds were 50 mph or 60+ mph and I was worried a tornado might be approaching.

Thunderstorm with High Winds and Hail

After the storm, I measured hail stones up to 1-1/2 inches in diameter of various shapes and sizes:

1-1/4 inch Hail Stones

The west side of the house facing the storm was covered with hail-shredded leaves blown by the strong winds:

Shredded Leaves Blown Against the House by the Hail Storm

What to do After a Hail Storm

Note the date and time of the storm. Your insurance claims manager will ask for the date & time of the loss and the storm event can be correlated with reports from the local weather and public safety authorities.

After the storm I grabbed my digital camera, walked around the property and took photos of the:

  1. Hail stones covering the yard, sidewalk and patios.
  2. Hail stones set next to a tape measure.
    The size of a hail stone is directly proportional to the potential for damage to the roof and shingles.
  3. Roof – looking for obvious signs of roof damage such as missing or torn shingles,
  4. Outdoor air conditioning units.
    Hail stones can dent and bend the cooling fins, blocking the air flow.

I also looked around inside the attic for any signs of a leak.

Hail Damage Roof Inspection

The following advice assumes your roof isn’t leaking necessitating emergency repairs, but you are concerned about functional hail damage to the shingles that could cause a leak over time if not repaired.

Beware of Roof Inspection Reports disguised as Contingency Contracts.

If you sign such a so-called “Inspection Report” it can entrap you in a contract that says you must give the job to the roofer if the insurance claim is approved. Never sign anything at this point! I’ve seen contingency contracts misleadingly titled “Roof Inspection Report” where the fine print states:

  • The homeowner owes a 20% cancellation fee based on the roof replacement cost value if the contract is not cancelled within 3 days.
  • The contingency contract is valid and binding so long as the insurance company pays the homeowner for the loss.
  • All insurance payments shall be made directly to the roofing company.
  • The homeowner acknowledges they lack the time and expertise to discuss matters with the insurance company and appoints the roofing company as their agent.

If you sign such an inspection report you’ve lost the opportunity to solicit competitive proposals. By authorizing the insurance company to pay the roofer directly, a dishonest roofer may take the insurance check and disappear.

Before contacting your insurance agent, you should have a reputable roofing contractor inspect your roof for potential hail damage as quickly as possible. The roofing contractor will walk your roof to assess if it has sustained hail damage to reasonably justify an insurance claim.

The roof inspection is free because it’s cost of doing business for the roofing company to be in a position to quote the job if your insurance claim is approved. Be careful in how you choose a roofing contractor to avoid fraud and unauthorized work! I recommend the following selection criteria:

  1. Deal only with a factory-certified roofing contractor in your area.
    GAF and CertainTeed are the two largest shingle and roofing material manufacturers in the USA.
    Find a GAF Master Elite™ or a CertainTeed Premier roofing contractor.
  2. Check the Better Business Bureau report for your prospective factory-certified roofing contractor.
    Avoid roofing contractors with less than an ‘A-‘ rating. A company can be rated an ‘A-‘ minus simply because of the limited length of time in operation.

Roof inspection advice:

  • Make an appointment for a roof inspection.
  • Be at home to meet the roofing contractor.
    Explain when and what happened during the hail storm, show the roofer your videos and/or photos if available. Request that the roofer outline the hail damaged areas in chalk and take photos to review with you.
  • Be absolutely clear that no repairs are to be made at this time, this is only an inspection!
  • Do not be pressured into signing anything!
  • Go outside and watch while the roofer inspects your roof.
    You should listen and watch for any signs of hammering or scraping, which could be a fraudulent attempt to mimic hail damage. Using only factory-certified contractors will go a long way to weeding out the unscrupulous roofers.

If the roof inspection found evidence of hail damage, the roofing contractor will be able to give you his or her opinion if filing an insurance claim is warranted and what he believes is the likelihood of a claim being approved.

See the International Association of Certified Home Inspectors (InterNACHI) for an excellent series hail damage (starting at item #28).

How to File a Roof Hail Damage Insurance Claim

To file an insurance claim for roof hail damage:

  • Locate your homeowner’s insurance policy.
    Make a note of your insurance policy number and deductible. The deductible figure will be important as explained later.
  • Organize your facts and records; insurance policy number, date/time of loss, hail size (if known), photos, videos, damage items.
  • Call your homeowner’s insurance claim number and provide the necessary information as requested.
  • You will be given a claim number by your insurer.

When an insurance claims examiner is assigned to your case, it helps to send your photos  and videos of the hail storm for authenticity to better support your claim. The claim examiner will assign an claims adjuster to make an official roof inspection and prepare a repair estimate.

Claims Adjuster Roof Inspection

  • The claims adjuster will contact you to make an appointment to inspect the roof.
    Offer to share your photos and/or videos of the storm with the adjuster. I e-mailed my hail storm photos and video to the adjuster, who thanked me for the assistance.
  • You should arrange for the roofing contractor who previously inspected your roof to meet with the insurance adjuster to go on the roof and discuss his findings.
  • The claim adjuster may bring along a “high team” to inspect steep and/or high roofs with proper safety gear.
  • The roof inspection includes the taking of numerous photos, looking at dents in the soft metals (gutters, box vents, powered attic ventilators) and the marking off 10 ft by 10 ft “test squares” to count the number of hail stone hits on the shingles. Hail stone hits will be marked with chalk for identification in photos.

The claims adjuster will write a report on his findings, prepare an estimate to make spot repairs or replace the roof (assuming damage was found), then forward the report to your claim examiner. The claim examiner will review the report and make a decision on your claim.

Don’t be surprised if your neighbor’s roof hail damage claim is approved while yours is not. Whether or not an insurance claim is ultimately approved is highly variable depending on the severity of the damage, your roof’s construction, orientation of your house to the storm, quality of roofing materials and your particular insurance company’s evaluation criteria.

My hail damage insurance claim was approved by the claim examiner for a full roof replacement. Now I faced the challenge of choosing a roofing contractor and negotiating a roof replacement contract.

This series is continued in How to Hire a Roofing Contractor for Hail Damage Repairs.

Thanks for reading,

Bob Jackson

Copyright © 2016   Reproduction strictly prohibited.

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10 Responses to How to File a Roof Hail Damage Insurance Claim

  1. Cathy July 22, 2015 at 8:36 pm #

    Thank you for this useful series about hail damage to the roof and insurance claims. My question is: the roofers who give you the inspection ask you to sign a contact that they will be selected to do the repair if the claims adjuster approves the claim. They want you to sign this in order to go up on the roof when the adjuster is there. I am not comfortable doing this since then you are not able to get other bids. They say they need this because they are taking their time to go up and point things out to the adjuster. What are your thoughts?

    • Bob Jackson July 23, 2015 at 9:30 pm #

      Never sign a contract as a pre-condition for a roof inspection because it will lock you into a no-bid contract! (Recall it’s not bidding on price because that’s illegal, rather the quality of materials, services, performance and warranty.) A reputable roofer will inspect the roof at no charge and work with the insurance adjuster.

      Whether or not the roofer wins your business is yet to be decided as explained in How to Hire a Roofing Contractor for Hail Damage Repairs.

      See this horror story for what can happen if you sign a contract in advance of an approved insurance claim.

  2. Cathy July 23, 2015 at 10:18 pm #


    Thanks so much for your reply and information.

  3. Russell December 21, 2015 at 10:41 am #

    Bob, I came across your site looking for info on hail damage, what a great read! Very informative. Thanks!

  4. Rich May 15, 2016 at 8:16 am #

    Hi do you have any suggestions on how to file air conditioner claim due to hail damage? I understand some companies just want to fix the fins or coils but how about if it goes deeper than that and you Have AC cooling issues?

    • Bob Jackson May 15, 2016 at 1:18 pm #

      You’d include the AC condenser coils in the claim. The adjuster will inspect the coils for evidence of hail damage which typically looks like numerous round dents in the fins. The dents are usually heaviest on the side(s) facing the storm.

      Lighter hail damage can be fixed by combing the fins to straighten as illustrated in How to Clean and Straighten AC Condenser Coils. If the fins are severely mashed in or the hail impacts were severe enough to crack a refrigerant tube the condenser coils my have to be replaced.

      When it’s time to replace my condenser coils I’ll choose a model with a metal shell like a Trane that protects the coil fins. The wire cage economy models like mine are too exposed and easily damaged by careless pressure washer crews, rocks thrown by lawn mower and falling branches. Or in my brother’s case his son punctured a refrigerant line with blow gun dart. That was a $350 repair. He took away the blow gun.

  5. Proctor S. Burress July 18, 2016 at 3:12 pm #

    Bob, I believe I need to replace a 15 plus year old roof. Experienced roofer did inspection and concluded the original shingles (asphalt) never adhered when originally applied. Large area or most of the roof…I am not sure as yet if total!

    State Farm is the insurer. Back side of the total roof is exposed to the Western sun where much of the defective shingling is.

    Is this unusual? Shingles may be from Tamko/Tampco.

    State Farm has been the insurer since we purchased our home here in Lexington, KY

  6. RA October 4, 2016 at 10:06 am #

    Thanks for the informative article. I received my claims approval letter and had a question about this:

    “Please be advised that we are required to name Wells Fargo on the payment for the repairs to the home and other structures since they are the mortgage holder on your property. You should contact them directly and inquire about their process in releasing funds due to your recent insurance claim.”

    What does this mean exactly? I thought I just deposit the insurance claim checks and then pay the roofer when the job is done. Thanks.

    • Bob Jackson October 4, 2016 at 6:46 pm #

      Mortgages now stipulate how hazard insurance proceeds will be handled. It’s a result of the 2007 Financial Crisis and bursting of the housing bubble. Homeowners defaulted on their mortgages, filed an insurance claim, pocketed the check instead of making repairs and may have abandoned the home. The mortgage company can choose to authorize the repairs or use the proceeds to pay down the mortgage debt. See your mortgage document for the specific terms.

      See Getting Your Mortgage Company To Release Insurance Proceeds for more info.

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