The short answer
Document the Damage First
Before you call your insurance company, take clear photos and videos of all hail damage. Capture the roof, siding, windows, gutters, and any interior water stains. Write down the date and time of the storm, plus a list of damaged items. This record helps your claim process go smoother.
If hail caused water to enter your home, note where it came in and how far it spread. Keep samples of any wet materials, like carpet or drywall, if you can. Do not throw anything away until your insurance adjuster has seen it. Your documentation is the backbone of your claim.
- Take photos from multiple angles
- List every damaged item with details
- Note the storm date and time
- Keep samples of wet materials
- Record any temporary repairs you make
Contact Your Insurance Company
Call your insurance company as soon as you can after the damage. Have your policy number and a list of damages ready. Tell them exactly what happened and when. They will guide you on the next steps, including when an adjuster can inspect your property.
Ask about your deductible and what your policy covers. Some policies cover hail damage to roofs and siding, while others may have limits. Your insurance company decides what is covered. Policies vary, and your insurer decides what is covered. Be prepared to answer questions about the extent of the damage.
Make Temporary Repairs Carefully
You can take steps to prevent further damage, like covering a broken window with plastic or tarping a hole in the roof. Keep all receipts for materials you buy. Your insurance company may reimburse you for these costs, but only if you document them.
Temporary repairs protect your home from rain and wind. Do not attempt major fixes on your own, especially on a roof. If water is actively entering, move valuables to a dry area. Safety comes first. If you feel unwell or see hazards, step back and call for help.
Work with the Adjuster
Your insurance company will send an adjuster to inspect the damage. Be present during the inspection if you can. Point out all areas of concern and share your documentation. The adjuster will assess the cost of repairs and determine your claim amount.
After the inspection, you may receive a claim settlement. Review it carefully. If you disagree with the amount, you can ask for a review or provide additional evidence. Keep copies of all correspondence. If water damage is extensive, local water damage pros can help with the restoration work.
Prevent Future Hail Damage
After your claim is settled, think about ways to reduce future hail risk. Install impact-resistant roofing materials or add protective window film. Trim overhanging branches that could break in a storm. These steps can minimize damage next time.
If you live in Redmond, keep a record of your home's condition and any upgrades you make. Regular roof inspections, especially after storms, can catch small issues early. For water damage that follows hail, consider a water damage inspection to identify hidden moisture problems.
Water damage does not wait
Call (425) 407-5186 any time, day or night, and describe what happened.
Call Now (425) 407-5186Frequently asked questions
How long do I have to file a hail damage claim?
Most insurance policies have a time limit for filing claims, often one year from the date of damage. Check your policy documents or call your insurance company to confirm the exact deadline. Acting quickly helps you document everything while details are fresh.
What if my roof is leaking after hail?
Take immediate steps to contain the leak, such as placing buckets under drips and tarping the roof if safe. Document the leak with photos. Contact your insurance company right away. A roofer can make temporary repairs, and local water damage pros can handle interior drying.
Will my claim cover the cost of replacing my roof?
Coverage depends on your policy and the extent of damage. Some policies cover full replacement, while others only pay for repairs. Your insurance company decides what is covered. Review your policy and ask your adjuster about your specific situation.