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8 Steps to File a Claim for Hail Damage to a Roof

Hail damage to roofing happens all over the country every year, as hail storms are part of our normal life in the Midwest.  It can be a painstaking process to file a claim.  If you don’t have an honest contractor in your corner, the insurance company could end up giving you a less than fair deal. That is why we have created this eight step process to help fellow readers file a hail damage claim for a roof.

Read on to learn the recommended insurance claim process for hail damage.

Roofing Hail Damage

  1. Alert Your Contractor of Choice About the Roof Damage

Good roofing contractors should offer a claim assistance program. These programs are designed to assist home/business owners through the claim process, acting as a liaison with the insurance company, protecting the best interest of the owner.

Contact your local roofer of choice before you reach out to your insurance company. This will ensure you have help in your corner when it comes time to negotiate with the insurance adjusters.

  1. File a Roof Damage Claim with Your Insurance Company

Call your agent and let them know that you had a contractor out and have confirmed that there is damage on the property and you’d like to file a claim.

  1. Schedule a Meeting with an Insurance Adjuster

Insurance adjuster will call and schedule a time and date to be out at the property to assess the damages, it is imperative that you have representation at this meeting from your contractor. You want to have your contractor there who is familiar with how this process works and knows the items that need addressed at the assessment, because once the initial meeting is completed it is very hard to backtrack on missed items / damages.

  1. Review with Your Roofing Contractor

Once you receive the approved scope of work for repairs from your insurance company, you and your contractor go through the line items and make sure that all the necessary materials and items are included in the approval. If there are missing components, your contractor will communicate with your adjuster to make sure you are getting everything you are entitled to as the insured.

All code items should be included, as well as similar building products should be included in their approval – this is not always the case and an experienced contractor will know how to navigate this process on your behalf.

  1. Select Roofing Materials

Now that your insurance specialized contractor has successfully completed the supplemental process of the claim and you now have funds for your project from the insurance company, you can pick out roofing materials and get your project started. Asphalt shingle and metal roofing are common examples for the Indianapolis area.

  1. Note the Payee on the Check

Keep in mind that your checks/funds from the insurance company may have your mortgage company listed on the checks to be endorsed. This will make depositing the checks impossible without your lenders endorsement. We will handle that for you to help expedite the process and take the stress of jumping through hoops. All we need is either the blank unendorsed check, or a picture of the front and back of the unendorsed check.

  1. Let Your Contractor Take Over

Let your roofing contractor handle the project from there!  An honest roofing contractor with good reviews will get the job done from this point.

Roofing contractors repairing hail damage.

  1. Contractor Files Certification of Completion

Your contractor will file their certification of completion after the work is complete to your adjuster, and this will release any of the held back funds from the insurance company.

Contact Us with Questions

If you still have questions about how to file hail damage claim, and you need assistance in the Indianapolis area, contact us today.

Check our our customer reviews to learn more about us. Alternatively, you can schedule a free roof inspection with us anytime.

Hail Insurance Claim FAQs:

How long do you have to file claim for hail damage to a roof in Indiana?

The time you have to file an insurance claim is different depending on the insurance company, however most insurance policies limit your time to file a claim to within 12-24 months of the storm.

What are some insurance tips for after the hail storm?

Take pictures.  Also call a contractor that you trust to take their own pictures and perform a roof inspection as well. This gives you two sets of evidence, from two separate sources. Also, never accept the insurance company’s initial settlement offer without first running it by your roofing contractor. You will want to make sure the payout is sufficient to cover the damages.

Does home insurance cover hail damage?

Home insurance typically covers hail damage as it is considered a standard peril under most policies. Coverage usually includes damage to the roof and other parts of the house. However, the extent of coverage can vary based on the policy details and the deductible amount.

Does Homeowners Insurance Cover Roof Damage From Trees?

Yes, homeowners insurance generally covers roof damage caused by falling trees if it is due to an uncontrollable event like a storm. However, if the damage is due to negligence, such as not maintaining the health of the tree, the insurance may not cover the repairs.

Should you file an insurance claim for roof damage?

Filing an insurance claim for roof damage is advisable if the repair cost exceeds your deductible and the damage is covered under your policy. However, consider the impact of the claim on your future premiums and consult with an insurance adjuster or a roofing expert before filing.

Will Homeowners Insurance Cover Your Roof Replacement?

Homeowners insurance will typically cover roof replacement if the damage is caused by a covered peril such as a storm or hail. The coverage might depend on the age of the roof and the specific terms of your insurance policy.

How do insurance companies determine roof damage?

Insurance companies determine roof damage by conducting an inspection, often performed by an insurance adjuster. They assess the extent of the damage, determine the cause, and check compliance with building codes and the policy terms.

Will my homeowners insurance cover my car for hail damage?

No, homeowners insurance does not cover vehicles. Hail damage to a car is generally covered under the comprehensive section of your auto insurance policy.

What are the steps to file a claim for hail damage to my roof?

  1. Contact a trusted roofing service to get help with documentation.
  2. Document the damage with photos.
  3. Review your insurance policy to ensure coverage.
  4. Contact your insurance company to report the damage.
  5. An adjuster will inspect the damage.
  6. After approval, proceed with repairs.

Should I make a hail claim?

Making a hail claim depends on the severity of the damage and the deductible of your policy. If the damage significantly impairs the function or safety of your property and exceeds the deductible cost, filing a claim is recommended.

How does hail damage a roof?

Hail damages a roof by impacting shingles with high-force, causing them to crack, split, or lose granules, which compromises the roof’s ability to protect against weather and can lead to leaks.

How many shingles need to be missing for insurance?

The number of missing shingles required for insurance coverage is not specific and can vary by policy. Insurance companies usually require significant damage that affects the roof’s integrity before they approve a claim.

How can I check for roof hail damage from the ground?

To check for hail damage from the ground:

  1. Look for visible signs of damage such as dents on gutters or downspouts.
  2. Check for damaged shingles or tiles that can be seen from the ground.
  3. Use binoculars to get a closer look at the roof.
  4. Consider hiring a professional roofer for a more thorough inspection if you suspect damage.

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