Hail Damage

Hail Damage Claims

Hail damage is deceptive and can be quite expensive to fix. If you live in an area prone to severe weather and have a low slope or flat roof with asphalt shingles, you are in the high-risk category. The good news is that most homeowners insurance policies cover damage from hail.

In the United States, hail is most prevalent where Colorado, Nebraska, and Wyoming meet—an area known as Hail Alley. Hail is possible within two nautical miles of the parent storm in any thunderstorm, meaning hail can occur practically anywhere if the natural conditions permit.

Insurers may try to argue the damage suffered from a hail storm does not fit the conditions necessary for a claim. At FPJL, we fight for policyholders to hold their insurers accountable to fulfilling their promise to protect your property from damage, including damage occurring from hail.

Tips for Ensuring Payments from an Insurer to Properly Replace a Hail Damaged Roof:

  • Immediately notify the carrier of all damage.
  • Inform the insurance adjuster that an expert needs to determine the condition of the entire roof system, in addition to areas immediately visible.
  • Review the property insurance policy to determine which provisions may apply to the damage. If a complete copy of the policy is not available, make a written request to the adjuster to obtain a complete certified copy of the policy (including all endorsements) as soon as possible.
  • Retain an expert in roof repair and replacement to perform non-destructive testing in conjunction with core cuts to determine if the damaged top layer (i.e., EPDM, TPO, Built-Up, Modified Bitumen, shake shingles, asphalt shingles) can be replaced with or without additional work to substrate, insulation, sheathing or decking based on code and manufacturer specifications for repair/replacement.
  • Document everything including test results, photos of all substrate layers down to the roof deck, and the expert’s findings.
  • Provide the adjuster with maintenance records, which may show the roof functioned properly until the date of loss.

We Had a Hailstorm Months Ago, But I Just Realized the Severity of the Damage:
Is It Too Late to Make an Insurance Claim?

Policyholders must meet post-loss obligations under their property insurance policy prior to receiving coverage for a loss. A common condition precedent requires policyholders to provide prompt notice of the loss to their carrier.