How Do Insurance Companies Inspect for Hail Damage?
Last updated October 31, 2026
The short answer
The Initial Walkaround Inspection
The adjuster begins with a ground-level walkaround of your home. They visually scan the roof, gutters, and siding for obvious signs of impact. They note the direction of damage to see if it aligns with a storm pattern. This initial survey helps them plan a closer inspection of specific areas.
Next, they examine windows, screens, air conditioning units, and other exterior fixtures. Dings in metal surfaces or cracks in window screens can be evidence. They also check for damage to decks, fences, and outdoor lighting. All these elements are part of the overall property assessment.
A Close Look at the Roof
Roof inspection is often the most critical part. The adjuster may use binoculars or a drone to get a clear view without immediately walking on the roof. They look for missing shingle granules, which collect in gutters, and bruising or soft spots on asphalt shingles.
If safe access is possible, they may climb onto the roof. They check for cracked tiles on clay or concrete roofs and dents in metal roofing. The pattern, size, and randomness of the dents help distinguish hail from other types of damage, like from a tool.
- Random, circular dents on soft metal parts like vents and flashing.
- Loss of the protective granular surface on asphalt shingles.
- Bruises or dark spots where the shingle matting is exposed.
- Splits or cracks in wood or composite shingles.
- Dents along the ridges of metal roofing panels.
- Spatter marks or small dings on chimney caps.
Documenting the Damage
Thorough documentation is key for your claim file. The adjuster takes numerous photographs from multiple angles, showing both wide shots for context and close-ups of individual dents. They may use a ruler or a coin in photos to show the scale of the damage.
They also take detailed notes and often sketch a diagram of your roof. Measurements of the damaged areas are recorded. This creates a permanent record that links the damage directly to the specific hailstorm event you claimed.
What Happens After the Inspection
The adjuster compiles their findings into a report for the insurance company. This report includes their assessment of the cause, extent of damage, and recommended scope of repairs. They determine if the damage is functional or merely cosmetic, which affects coverage.
Your insurer then uses this report to make a coverage decision. You will receive a claim decision letter explaining what is covered and the settlement amount. If you disagree with the findings, you can discuss it with your adjuster.
Getting a Professional Assessment
You have the right to get your own assessment from a qualified local roofer or contractor. Their inspection can provide a second set of eyes on the damage. This can be helpful if you believe the adjuster missed something or underestimated the repair scope.
If significant water intrusion occurred after the hail damaged your roof, you may need a water damage inspection. Local water damage pros can check for moisture in walls and ceilings. This secondary damage should be included in your insurance claim documentation.
- A roofer can provide a detailed repair estimate for comparison.
- They can identify compromised areas that may lead to leaks.
- Document any signs of interior water stains immediately.
- Keep all inspection reports and estimates for your records.
- Do not proceed with permanent repairs until your claim is settled.
- Policies vary, and your insurer decides what is covered.
Talk to someone now
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Call Now (253) 785-9361Frequently asked questions
What if the adjuster says the hail damage is just cosmetic?
Many policies cover functional damage but exclude purely cosmetic issues. The adjuster decides this classification. If you disagree, you can present evidence from your own contractor showing the damage affects the roof's function or lifespan.
How long after a storm can I file a hail damage claim?
Check your policy for specific deadlines, as these vary. Filing periods are often one year from the date of loss. It's best to file a claim as soon as you notice the damage. Waiting can allow for further deterioration, which an insurer might attribute to normal wear and tear.
Should I be present for the insurance inspection?
Yes, if possible. You can point out damage you've seen and ask questions. Take your own photos and notes during the inspection. This helps you understand the process and prepares you to discuss the findings later.