What Insurance Adjusters Look for in Hail Damage Claims

Adjusters look for physical evidence that hail actually struck your property. That means dents in gutters, siding, or roof vents, and bruising on asphalt shingles that may not be obvious from the ground. Take close-up photos from multiple angles, and note the date and time of the storm if you know it.

Keep any loose hail samples in a freezer bag, though they melt quickly. A written record of when the storm hit, how long it lasted, and what you saw helps the adjuster match your damage to local weather data. Your storm records and photos are especially useful during humid summer months.

Hail damage often leads to water intrusion, so adjusters look for stains on ceilings, walls, or around windows and doors. They also check attics for wet insulation or damp wood. Any sign of water entry strengthens your claim because it shows the hail created a path for moisture.

Do not attempt repairs before the adjuster sees the damage, as that can complicate your claim. If you must stop active leaking, use a tarp or bucket and take photos first. Document every stain and wet spot with a ruler or object for scale.

Before the adjuster visits, make a list of all damaged items, including furniture, electronics, and personal belongings. Take photos of each item with serial numbers if possible. Keep receipts for any emergency repairs you made, like tarping a roof or boarding a window.

Have your insurance policy number and a copy of your declaration page ready. Be honest about what you know and what you are unsure about. If you have questions about your coverage, ask the adjuster directly. Policies vary, and your insurer decides what is covered.

• List every damaged item and its approximate value
• Photograph serial numbers on electronics and appliances
• Save receipts for emergency repairs and materials
• Note any pre-existing wear or prior repairs
• Ask the adjuster for a written explanation of their findings
• Keep copies of all correspondence and documents