What should I do straight after a hailstorm?
Stay off the roof and take photos of any damage you can see from the ground, such as dents in gutters, downspouts, vents, window screens and fences. Cover any openings to prevent further water damage. Then have your roof inspected so you know whether there is damage before you file an insurance claim.
Take photos from the ground
Do not climb onto the roof after a storm. A wet or damaged roof is dangerous, and much of the damage you need to document can be seen from the ground.
Walk around your home and take photos of the gutters, downspouts, vents, air conditioning unit, window screens, garage door and fences. If there is still hail on the ground, take a photo of it next to something that shows its size.
Prevent further damage
If there is an opening in the roof or a broken window, cover it as soon as it is safe to do so. Most insurance policies expect homeowners to take reasonable steps to prevent further damage.
Keep receipts for any materials or services you pay for, since they may be reimbursed.
Have your roof inspected before you file
An inspection tells you whether your roof was damaged before you file a claim. Hail damage is often hard to see from the ground.
If there is damage, the inspection also gives you information to share with your insurance company when you file your claim.
Choosing a roofing contractor
After a large storm, many roofing companies go door to door in affected neighborhoods. Choose a local contractor with a physical address, and be cautious of anyone who gives you a price before inspecting the roof, offers to cover your deductible or pressures you to sign right away.
It is always fine to get a second opinion before you sign a contract.
Related Questions
How long do I have to file a claim?
Filing deadlines vary by policy, so check your policy or ask your insurance agent. It is best to have your roof inspected soon after the storm.
Should I file a claim if I am not sure there is damage?
Have your roof inspected first so you know whether there is damage before you file.
My neighbors got new roofs and I did not. Why?
Hail can hit one house much harder than the house next door. If you think damage was missed, a second inspection can help.
How soon can you inspect my roof?
Call us at (469) 240-9492 or send us a message, and we will schedule a time to inspect your roof.
