Hail damage on your roof? Know your rights before you call your insurer.
Plain-English guides on documenting damage, filing a claim, working with adjusters, and appealing a denial — plus a free way to get matched with a vetted local roofer.
100% independent guidance — no insurance company behind this site.
Photo: Darrenn Williams, CC BY 3.0
Why homeowners start here
- 1Understand cosmetic vs. functional damage before an adjuster ever shows up.
- 2Learn what documentation carriers actually expect, in the order they expect it.
- 3Know what to do if your claim is denied or the scope feels low.
Already dealing with a claim? Make sure your coverage still makes sense.
Compare quotes from multiple carriers and agent networks in minutes — useful whether you're shopping after a claim or just haven't checked in a while.
Do I have a claim?
Answer a few quick questions about what you're seeing. It's not a substitute for a professional inspection, but it's a fast way to decide whether one is worth getting.
Storm-torn shingles. Photo: Sandul1234, CC BY-SA 4.0
How this site helps
Spot the damage
Learn what hail and wind damage actually looks like on your specific roofing material, before you call anyone.
Learn moreFile with confidence
Understand deadlines, what to have ready, and the mistakes that get claims delayed or denied.
Learn moreGet matched with a roofer
Tell us about the damage once, and we'll connect you with a vetted local contractor.
Learn moreAll guides
Hail & Wind Damage Signs
Learn what hail and wind damage actually look like, what adjusters look for, the difference between cosmetic and functional damage, and how to document what you find.
How to File a Claim
A step-by-step walkthrough of documenting damage, understanding filing deadlines, contacting your carrier, and avoiding the most common claim-filing mistakes.
Working With an Adjuster
What happens during a roof inspection, what to have ready, questions to ask, and the difference between a company adjuster, independent adjuster, and public adjuster.
Denied? How to Appeal
Common reasons roof claims get denied, how to request a reinspection, how to write a rebuttal, the appraisal clause, and when to file a state complaint or call an attorney.
Choosing a Roofer
Red flags like storm chasers and deductible waivers, what a real contract includes, how to verify licensing and insurance, warranty types, and payment schedules.
Understanding Your Policy
ACV vs. RCV, recoverable depreciation, wind/hail deductibles, matching, ordinance and law coverage, exclusions, and a glossary of policy terms.
Common questions, answered
All questions- I Did Everything Right and My Hail Claim Was Still Denied: A Case Study
- What Size Hail Damages a Roof?
- Will Filing a Roof Claim Raise My Insurance Rates?
- My Roofer Offered to Cover My Deductible — Is That Legal?
- The Adjuster Says No Damage, But My Roofer Disagrees
- Roof Claim Denied for "Wear and Tear": What to Do Next
Roof claims by state
All statesFiling deadlines, wind/hail deductibles, matching rules, and contractor laws all change at the state line. Pick yours for the specifics.
Ready to talk to a roofer?
Get matched with a vetted local contractor who documents damage the way adjusters expect to see it — free, no obligation.