How to Prove My Roof Damage Was Caused by Hail?
Last updated October 31, 2026
The short answer
Document the Storm and Damage
The first step is to gather evidence while the storm is fresh. Take photos and videos of the hail itself, showing the size of the stones against a ruler or coin. Capture the roof from multiple angles, including close-ups of dents, cracks, or missing shingles. Also photograph any fallen branches or debris that could have caused impact marks.
Write down the exact date and time of the storm. Check local weather reports or your own notes to confirm the hail event. If you have a weather app or a personal weather station, save those records. This timeline helps connect the damage to the storm, which is key for any claim.
Collect Physical Evidence
If you can do so safely, collect a few hailstones in a sealed plastic bag and put them in the freezer. This preserves their size and condition as evidence. Also keep any broken roof pieces or granules from asphalt shingles that may have been knocked loose by the impact.
Physical samples can help a professional assess the type of impact that occurred. Do not climb onto the roof during or right after a storm. Wait until conditions are safe, and consider having a pro handle the collection if you are unsure.
- Photograph the hail next to a ruler or coin
- Shoot video panning across the entire roof
- Keep a sealed bag of hailstones in the freezer
- Save any loose shingle pieces or granules
- Note the storm time from your phone or weather app
- Take photos of any fallen branches or debris
Get a Professional Inspection
A local water damage pro can inspect your roof and document the damage in a written report. They look for specific patterns, such as circular dents or cracks that match hail impact. Their report may include photos, measurements, and an assessment of whether the damage is consistent with hail.
This report is valuable for your insurance claim. It provides an expert opinion that can support your case. The pro can also identify any water damage that resulted from the hail, such as leaks or staining, which may be part of the same claim.
Review Your Insurance Policy
Before filing a claim, check your homeowner's policy to see if hail damage is covered. Most standard policies cover hail, but there may be deductibles or exclusions. Understand what your policy says about damage to roofs and whether you need to provide specific documentation.
Policies vary, and your insurer decides what is covered. Contact your insurance company to report the damage as soon as possible. They may send an adjuster to inspect the roof, so having your own documentation ready is important.
- Read your policy's section on storm or hail damage
- Note any deadlines for filing a claim
- Gather your photos, videos, and the pro's report
- Keep a copy of all correspondence with your insurer
File Your Claim with Evidence
When you file the claim, submit all your evidence together. Include your photos, videos, the weather record, and the professional inspection report. Clearly state the date and time of the storm and how the damage occurred. This makes it easier for the adjuster to process your claim.
If the adjuster disagrees, you can appeal. Ask for a written explanation and provide additional evidence if needed. Your own documentation is the right tool in this process. Stay organized and keep copies of everything you send.
Talk to someone now
Water keeps spreading into floors and walls, so it is worth acting early. Calls are answered 24/7.
Call Now (617) 404-2753Frequently asked questions
What if I didn't take photos right after the storm?
You can still document the damage now. Take current photos of any dents, cracks, or missing shingles. Check weather archives for the storm date and size of hail reported. A professional inspection can also help establish the cause, even if time has passed.
How long do I have to file a hail damage claim?
Check your insurance policy for the specific deadline, as it varies by insurer and state. Typically, you should report damage as soon as possible to avoid complications. Delaying can make it harder to prove the damage was from that specific storm.
Can I repair the roof before the insurance adjuster sees it?
It is wise to wait for the adjuster's inspection, but you can make temporary repairs to prevent further water damage, like covering a hole with a tarp. Document any temporary work with photos. Permanent repairs should wait until after the claim is approved.