Hail Damage Claim FAQs

Hail damage can be difficult to see. Most often hail does not leave blatant signs of damage to a roof or building. The damage is usually hidden, hard to find or develops over time.

Some obvious signs of hail damage to look for are darkened spots on the roof, knocked off roof granules and loose shingles. If hail is driven by high winds, or lasts for several minutes, hidden damage to the roof’s shingles will start to take place. This results in deterioration of the roof and its life expectancy.

The dents and dings on your roof resulted from direct damage caused by an “act of God.” Because so the damage will likely be covered if you file an insurance claim.

If your roof contains composite materials such as asphalt then the hail damage on your roof could likely worsen. The natural elements will eventually wash away the loose asphalt granules which will cause breaches in the roof system. When this happens the hail damage may manifest as leaks.

Like all professions, experience is important. Hail damage can be difficult to document and often weather and diagnostic technology needs to be used. You should hire a public adjuster that uses and has successfully used diagnostic technology in hail damage claims. This could include infrared and thermographic testing, moisture meters and various weather-related services. Public adjusters with significant claim experience, ten years or more, typically will have the resources, expertise and contacts needed to settle hail insurance claims of all sizes and complexity.

While most policyholders with property insurance claims can benefit from hiring a public adjuster, you need to consult with an adjuster if your insurance company has denied your hail claim, underpaid your claim, treated you in a dismissive manner or offered to repair only a part of your roof.

You could have options even if your claim for hail damage has been delayed, denied or underpaid. We can help.