WIND & HAIL CLAIM GUIDANCE

Severe weather can cause unexpected damage to your roof and home. While every insurance company and policy is different, here is a general overview of what homeowners can expect when it comes to wind and hail insurance claims.

• Wind Damage: High winds can lift, crease, or tear shingles, and sometimes even affect flashing, gutters, or siding.
   
• Hail Damage: Hail may leave dents, bruises, or cracks in shingles, which can lead to leaks over time if not addressed.
   
• Damage is not always obvious from the ground—sometimes it takes a professional inspection to confirm.
   

• Document what you see: Take clear photos of any visible damage (roof, gutters, windows, fences, etc.).
   
• Check for immediate hazards: Make sure there are no safety concerns such as leaks or exposed areas.
   
• Call a trusted roofing professional: Many companies, like ours, offer free inspections to help you understand the extent of the damage.

While exact steps may vary depending on your insurance company, a typical process looks like this:

1. Inspection & Documentation – You or your contractor identify possible damage.
    
2. File a Claim – You notify your insurance provider of potential storm damage.
    
3. Adjuster Visit – An insurance adjuster inspects your property to assess the claim.
    
4. Approval & Estimate – If covered, your insurance company provides a repair or replacement estimate.
    
5. Repairs Begin – Once approved, you choose a contractor to complete the work.

• Act quickly: Most insurance policies have time limits for filing storm-related claims.
   
• Keep records: Save all paperwork, estimates, and communication for your records.
   
• Choose a reputable contractor: Work with licensed and insured professionals who have experience with insurance-related projects.
   

This page is for general informational purposes only and does not provide legal or insurance advice. Coverage, requirements, and claim processes vary by insurance company and policy. Always review your policy details and contact your insurance provider directly for specific guidance.