Hail damage is sneaky: it often doesn't leak right away, but it shortens your roof's life and is fully claimable. The steps you take in the days after a storm can make a real difference in the outcome. Here's the right order.
Right after the storm
- Stay safe — don't climb on the roof; you can get hurt or cause more damage
- Note the date and time of the storm
- Photograph what you can see from the ground: dented gutters, screens, AC fins, splatter marks
- Check inside and in the attic for any water stains
- Keep receipts for any emergency expenses
In the days that follow
- Have the roof professionally inspected — most hail damage isn't visible from the ground
- Don't sign with a door-to-door 'storm chaser' on the spot
- Find your policy and note your deductible
- Get the full extent documented before filing
Hail claims have a reporting window, and the damage is easy to underpay. A free inspection from a public adjuster documents the full scope so your claim reflects the real damage — not just what shows from the driveway.