The short answer
Check Your Policy First
Your insurance policy is the first place to look for the filing deadline. Policies vary, and your insurer decides what is covered. Many homeowners policies state a specific number of days or months for submitting a claim after a hail event. Some states also have laws that set a minimum time limit, which can be longer than what the policy states.
Read the declarations page and the sections about property damage or claims. Look for phrases like "notice of loss" or "proof of loss." If the wording is unclear, contact your insurance company and ask for the deadline in writing. Keep a record of that conversation, including the date and the name of the person you spoke with.
Why Filing Early Helps
Filing soon after hail damage gives you a better chance to document the condition of your roof, siding, windows, or other affected areas. Fresh damage is easier to photograph and describe accurately. Waiting too long can allow leaks to spread, which may complicate the claim or lead to additional water damage inside your home.
Take photos and notes right after the storm. Include the date, time, and a list of damaged items. If you can safely do so, cover broken windows or tarp a damaged roof to prevent more water from entering. This protects your home and gives the insurance adjuster a clearer picture of what happened.
- Photograph the hail damage from multiple angles
- Note the date and time of the storm
- List every damaged item or area
- Keep receipts for any temporary repairs
- Save damaged materials for the adjuster to see
What Happens After You File
Once you file a hail claim, the insurance company usually sends an adjuster to inspect the damage. The adjuster will assess the roof, gutters, and other exterior parts of your home. The inspection helps determine the cost of repairs and whether the damage is covered under your policy.
The adjuster's report goes back to the insurance company, which then decides how to handle the claim. You may receive a payment or a denial. If the claim is approved, you can hire local water damage pros to handle repairs like drywall water damage repair or attic water damage restoration, depending on the extent of the damage.
If You Miss the Deadline
Missing the filing deadline can result in a denied claim. Some policies allow late filing if you have a good reason, such as being out of town or dealing with a medical emergency. But approval is never certain. The insurance company decides whether to accept a late claim.
If you realize you missed the deadline, still contact your insurance company and explain the situation. Ask if there is any flexibility. You may also want to review your policy for any clauses about late notice. In some cases, the insurer might still cover the damage if the delay did not harm their investigation.
Prevent Further Damage
Hail can create holes in roofs or crack skylights, letting water inside. Even if you are unsure about filing a claim, you should take steps to prevent more damage. This includes covering openings with tarps or boards and removing standing water from your home. These actions are your responsibility and can help protect your property.
If water has already entered your home, address it quickly to reduce the risk of mold or structural issues. Local water damage pros can help with water-damaged flooring removal or bathroom water damage cleanup if the problem is extensive. Document everything you do, as these temporary repairs may be part of your claim.
- Tarp any holes in the roof
- Board up broken windows
- Remove standing water with a wet vacuum
- Dry out carpets and furniture if possible
- Call the pros for large spills
Need help right now?
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Call Now (480) 898-4279Frequently asked questions
What if I notice hail damage months later?
You can still file a claim if the deadline has not passed. Check your policy for the exact time limit. Some policies allow up to one year. If you are close to the deadline, file as soon as possible and explain why the damage was not noticed earlier.
Does hail damage always require an insurance claim?
No. If the damage is minor and the repair cost is low, you might pay out of pocket to avoid a rate increase. But for significant roof or siding damage, a claim can help cover the expense. Compare the repair cost against your deductible before deciding.
Can I repair hail damage before the adjuster sees it?
You can make temporary repairs to prevent further damage, like tarping a roof. Do not start permanent repairs until the adjuster inspects the area. Take photos of the damage before any work begins, and keep receipts for materials used.