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. We'll show you what to look for, how to tell hail from wind, whether your specific situation is worth a claim, and how much time you actually have to file one.
Your roof's numbers, and whether a storm actually hit.
The free roof report below reads your roof from current satellite imagery and emails you its size, pitch and estimated age — the numbers an adjuster's scope starts from. For the storm itself, the free hail report by address checks NOAA and NWS storm reports within 10 miles of your address over the last 12 months and gives you the dated event list.
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 →