What Homeowners Should Know After a Hailstorm

The hours after a hailstorm are noisy in every sense. Trucks show up, flyers appear on doors, and there is pressure to move fast. Slowing down costs you almost nothing and protects you from a lot.

Step 1: document

• Note the date and rough time of the storm.
• Photograph dented gutters, downspouts, vents, siding, screens, the AC unit and any hail still on the ground.
• Photograph any interior water stains, with dates.
• Save local weather reports or news coverage confirming hail in your area.

Step 2: get an inspection

Have a roofing professional inspect the roof safely. Ask for photos from up top. You want to know whether there is functional damage, not just whether the roof looks tired.

Step 3: talk to your insurer if warranted

Coverage decisions belong to your insurance company and depend on your policy, your deductible and the cause of loss. Nobody outside your insurer can tell you a claim will be approved. Be cautious about anyone who promises otherwise.

About storm-chasing sales crews

• You are never obligated to let a stranger on your roof.
• Do not sign anything that assigns your insurance benefits or authorizes work before you understand it.
• Be wary of promises to cover or waive your deductible.
• Ask where the company is based and whether they will be reachable in two years if the workmanship warranty matters.

Step 4: temporary protection

If water is actively coming in, ask about emergency tarping. Keep receipts for any emergency measures you pay for.