Hail damage roof claim: how to file, what to expect, what to watch for

By Lena Whitfield, Master roofer, 18 years · 2026-02-26

Hail roof claims drive billions of dollars in U.S. residential roofing every year — and the claim process is genuinely complex. Get it right and your roof is replaced for the cost of a deductible. Get it wrong and you eat a $15K cost. Here's the playbook.

Step 1: document before you call

After a hail event: walk the property, photograph damage (gutters, AC fins, siding, mailboxes, garbage cans), check the roof from ground with binoculars. Visible damage on auxiliary metal is strong evidence of roof damage even if you can't see it from below. Date everything.

Step 2: roofer inspection first, then insurance

Have a local reputable roofer inspect (free) and document damage with photos and a written report. THEN call your insurance company. The roofer's report gives you a baseline to compare against the adjuster's findings.

Step 3: adjuster meets the roofer on the roof

Always request that your roofer is present when the insurance adjuster inspects. This is a stated right in most states. Adjusters work for the insurance company; having your roofer present catches missed damage.

Step 4: supplements are normal

Initial adjustment is rarely complete. Roofers regularly submit 'supplements' for items missed (decking, code-required upgrades like ice and water shield, ventilation, drip edge, etc.). A roofer who refuses to submit supplements is leaving your money on the table.

WARNING: storm chasers

Out-of-state contractors who appear after major hail events, offer to 'waive your deductible,' and require deposits. They take the money, do shoddy work or none, and disappear. Always use local established contractors. Check the BBB and state license verification BEFORE signing anything. Deductible waivers are illegal in most states.