Hailstorms can wreak havoc on your roof in a matter of minutes — leaving behind dents, cracks, bruised shingles, and compromised flashing that aren’t always visible from the ground. For homeowners in Raleigh, NC, where severe weather and seasonal storms are common, knowing how to act quickly and correctly after hail damage can make all the difference in getting the insurance coverage you deserve.
This quick guide will walk you through the essential steps for filing a roof insurance claim after hail damage, so you can avoid delays, denials, and out-of-pocket costs.
Step 1: Inspect Your Property for Signs of Hail Damage
After a hailstorm passes, begin by doing a basic walkaround of your home. While you should avoid climbing on the roof yourself, you can often spot signs that indicate potential damage:
- Dents in gutters, downspouts, and metal flashing
- Shingle granules collecting in your gutters
- Damaged siding or broken window screens
- Debris scattered across the roof
- Water stains on ceilings or attic walls
Even if there’s no immediate interior damage, hail can weaken shingles and underlayment — leading to future leaks if not addressed promptly.
Step 2: Contact a Professional Roofing Contractor
Before reaching out to your insurance company, schedule a full inspection with a licensed roofing contractor. A professional will:
- Assess all areas of your roof for hail impact
- Document damage with photographs and written reports
- Provide a clear estimate for repairs or replacement
- Help you determine if filing a claim is justified
Working with a reputable contractor like Rhino Roofing ensures your roof is evaluated thoroughly and that all damage — visible or hidden — is accounted for.
Step 3: Review Your Homeowners Insurance Policy
Next, take the time to read through your insurance policy or speak with your agent. Understand key elements such as:
- Covered perils: Does your policy include hail damage? (Most do.)
- Deductible: Know your out-of-pocket responsibility.
- Replacement cost vs. actual cash value (ACV): ACV means the insurer pays the depreciated value; replacement cost covers a new roof minus the deductible.
This step will help you know what to expect before starting the claims process.
Step 4: File Your Insurance Claim Promptly
Timeliness is key. Many policies have a deadline for filing after the storm — often within 30 to 60 days. When you file, include:
- The date and time of the hailstorm
- Description of the damage
- Photos and documentation from your roofing contractor
- Any emergency repairs already completed to prevent further damage
Once filed, your insurance provider will schedule an inspection by an adjuster.
Step 5: Be Present for the Adjuster’s Inspection
Your contractor should attend the adjuster’s inspection. This ensures all damage is properly documented and that no issues are missed or dismissed.
Experienced contractors know how to communicate with adjusters, advocate for full coverage, and answer technical questions about repair requirements.
Step 6: Review the Settlement Offer Carefully
Once the adjuster completes their report, your insurance company will issue a settlement offer. Before accepting, review the scope of work and repair estimate:
- Does it cover all necessary repairs?
- Are materials, labor, and building code upgrades included?
- Does the payout match your contractor’s estimate?
If not, your contractor may provide a supplemental claim to request additional funds for overlooked damage or code-related upgrades.
Step 7: Schedule Your Roof Repairs or Replacement
Once you’ve reached a fair settlement, it’s time to move forward with the work. Make sure the contractor:
- Uses code-compliant materials
- Provides a warranty for both labor and materials
- Documents the entire process with photos and receipts
High-performance roofing materials from CertainTeed or Owens Corning are often preferred for their durability and insurance compliance — particularly after storm damage.
Step 8: Keep Records for Final Payment
When the work is complete, your insurer will likely release the final payment (called depreciation or recoverable amount). To ensure quick processing:
- Submit completion photos
- Send a final invoice
- Keep copies of any permits or inspection approvals
This step closes out the claim and confirms your roof has been fully restored.
Final Thoughts: Act Fast, Stay Informed, and Partner with Professionals
Filing a roof insurance claim after hail damage doesn’t have to be overwhelming — but timing, documentation, and expert support are key to success. By acting quickly, partnering with a reliable roofer, and staying involved throughout the process, you can ensure your home is restored without financial surprises.
If you suspect hail has damaged your roof in Raleigh, NC, don’t wait. Contact Rhino Roofing for a no-cost inspection and let experienced professionals guide you through every step of your insurance claim — from evaluation to installation.
Read also our blog: Simplifying Roof Insurance Claims with Expert Help
