Should you file a claim for hail damage on roof?


Editorial team Published on

You should file a claim for hail damage only when the cost to repair the roof is significantly higher than your insurance deductible and the damage is functional rather than purely cosmetic.

When to File a Claim

  • High repair costs: The total estimate to fix or replace the roof exceeds your deductible by a wide margin.
  • Functional damage: Hail compromises the structural integrity of the roof, causes leaks, or strips away enough shingle granules to shorten the roof's lifespan.
  • Widespread impact: Ground items like cars, siding, gutters, and AC units also show heavy damage from the same storm.
  • Strict timelines: You are within the filing window specified by your insurance policy.

When to Avoid Filing a Claim

  • Cost under deductible: The repair cost is lower than or close to your deductible, meaning you will pay out of pocket anyway while adding a zero-pay claim to your record.
  • Cosmetic-only dents: Your policy excludes cosmetic damage (like minor dents on metal vents or shingles) that does not affect how the roof performs.
  • Risk of rate hikes: Filing multiple claims in a short timeframe can raise your premiums or lead your insurer to drop your coverage.

Recommended Steps Before Calling Insurance

  • Get an independent inspection: Hire a trusted local roofer to evaluate the actual extent of the damage before you contact your insurance company.
  • Review your policy: Check your deductible amount and verify whether your plan pays out using Actual Cash Value (ACV) or Replacement Cost Value (RCV).
  • Document everything: Take clear photos and videos of the damage to your roof and surrounding property, noting the exact date and time of the storm.