How to Document Roof Hail Damage and File a Claim in 2026

Step-by-step after a hailstorm

1. Stay off the roof. Photograph exterior damage from the ground and note the date and storm location.
2. Prevent additional damage safely. If water is entering, protect belongings and ask a qualified professional about temporary mitigation. Keep receipts.
3. Review your policy. Check claim notice deadlines, deductibles, exclusions, and documentation requirements.
4. Contact your insurer directly if you believe there is covered damage. Record the claim number and adjuster contact.
5. Get an independent roofing inspection. Ask for dated photos and a written scope, not only a verbal replacement recommendation.
6. Attend the adjuster inspection if possible and share relevant photos and contractor findings.
7. Compare scope, not promises. Send documented differences through the insurer’s supplement process.
8. Keep records of estimates, communication, repairs, payments, and completion documents.

Avoid common claim problems

Do not sign a blank work authorization, assignment, or contingency agreement without understanding it. Do not agree to a contractor waiving your deductible; state law may prohibit it, and you remain responsible for the policy deductible. Be cautious of door-to-door pressure and anyone asking for immediate payment to “hold” an insurance check.

If you disagree with a coverage decision, ask the insurer to explain the decision and appeal steps in writing. Your state insurance department can explain complaint channels. Consider independent professional advice for a disputed claim.

The NAIC homeowners insurance guide explains policy basics; your own policy controls. Use our roof replacement cost calculator for a separate cost-planning scenario. See contractor guides.