Signs of hail and wind damage
Look for dented gutters, downspouts and roof vents; shingle granules collecting in gutters; dark bruises or bare spots on shingles; and creased, lifted or missing shingles after high winds. Hail damage isn't always visible from the ground, so a professional inspection helps.
How the insurance process works
Document the damage with photos and note the storm date. Get an inspection from a reputable roofer, then file the claim with your insurer. An adjuster will inspect the roof, and many roofers will meet the adjuster on site to point out damage.
If the claim is approved, you typically pay your deductible and insurance covers the rest of the approved scope. Read our storm damage claims guide for a step-by-step walkthrough.
How to avoid storm chasers
Be cautious of anyone who knocks unsolicited after a storm, pressures you to sign that day, offers to waive or cover your deductible, or asks for large payments up front. Choose a local roofer with a verifiable license, insurance and reviews.