Hail damage: spot it, document it, claim it.
A lot of homeowners hit by claim-worthy hail never file, because the damage isn't obvious from the ground. Get your roof's numbers and a dated NOAA storm history for your address — the two things an adjuster's scope starts from.
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- Bruises, dents, granulesHow to recognize the visual signs of claim-worthy hail from the ground.
- Dated NOAA storm historyEvery hail and wind event within 10 miles of your address, in the last 24 months.
- Claim decision treeWhether your specific situation is worth filing, before you call your carrier.
- Cosmetic-exclusion playbookThe clause denying valid claims across hail-belt states, and how to counter it.
Check any address for verified hail and wind.
Two purpose-built lookups: one for a specific address, one for the live nationwide map. Both are free.
Five guides to hail damage.
From visual identification to wind-vs-hail, claim decision trees, the cosmetic-damage exclusion that's denying valid claims across hail-belt states, and how the claim filing deadline actually works.
How to Tell If Your Roof Has Hail Damage
Hail damage is one of the most under-claimed causes of premature roof failure in the US. A lot of homeowners hit by claim-worthy hail never file because the damage isn't obvious from the ground. Here's how to spot it correctly, and how to avoid the mistakes that get claims denied.
READ GUIDE →Hail damage · WindWind Damage vs. Hail Damage on a Roof
Storms often produce both, in the same event, on the same roof. But wind and hail damage look different, fail differently, and get evaluated differently by an adjuster. Here's how to identify each, how they compare side by side, and what each one typically means for a claim, plus the deadline that eventually governs whichever one you file.
READ GUIDE →Hail damage · Should I claimShould I File a Roof Insurance Claim?
A claim that gets denied can still show up on your claims history with the carrier. Filing one for damage that should have been a simple out-of-pocket repair can add cost you didn't need to take on. Here's the decision tree, and the deductible math behind it.
READ GUIDE →Hail damage · CoverageCosmetic vs. Functional Roof Damage Explained
Some insurance policies exclude 'cosmetic damage.' Understanding what that actually means, where the term gets stretched to deny damage that will genuinely shorten your roof's life, and how to push back when it is, is often the difference between a covered replacement and an out-of-pocket one.
READ GUIDE →Hail damage · Claim deadlineHow Long Do I Have to File a Hail Claim?
There's no single national deadline for a hail claim, and 'the deadline' isn't even one thing — reporting a loss, proving it, and suing over a denial run on three separate clocks. Your policy sets the starting point for each, your state can override it, and the clock usually starts on the day of the storm rather than the day you noticed. Here's how each one works, and how to find your own numbers.
READ GUIDE →