What to do in the first 72 hours after hail
A practical checklist for homeowners immediately after a hailstorm. What to document, what to avoid, and how to protect your claim.
First hour
Stay safe — wait for the storm to pass
Do not go on the roof during or immediately after a storm. Wet roofs are slippery. Assess from the ground first.
Hours 1–6
Document everything from the ground
Walk the perimeter of your home. Photograph every area of visible damage — gutters, downspouts, AC condenser fins, window screens, soft metal flashing, siding, and any vehicles. Date-stamped photos from your phone establish the storm event timeline for your insurer. Take more photos than you think you need.
Hours 6–24
Do not sign anything
Out-of-state contractors frequently arrive within 24–48 hours of major hail events. Do not sign an Assignment of Benefits, a roofing contract, or any authorization form before your insurance adjuster has inspected the property. Signing early can forfeit your right to negotiate your claim.
Day 1–2
Apply temporary protection if needed
If you have interior water intrusion, place buckets and apply temporary tarping to prevent further damage. Keep receipts — emergency mitigation costs are typically covered. Do not make permanent repairs before the adjuster visits.
Day 2–3
Contact your insurance company
File your claim promptly. Have your policy number, the approximate date and time of the storm, and your photo documentation ready. Ask specifically: what is my wind/hail deductible percentage? Many policies carry a separate percentage deductible for wind/hail — not a flat dollar amount.
Day 3–7
Get an independent inspection
Schedule an inspection with a licensed local roofer before the insurance adjuster arrives. Their independent assessment gives you a benchmark to compare against the adjuster's estimate. A reputable contractor provides this inspection free of charge.
After adjuster visit
Review the estimate carefully
Compare the adjuster's estimate line by line against your independent contractor estimate. Common items missed by adjusters include code upgrade requirements, matching shingle provisions, permit fees, and ice-and-water shield. If there are discrepancies, your contractor can submit a supplement to your insurer.
Note on timing: Most homeowners insurance policies require you to notify your insurer within a reasonable time after a loss. Claim deadlines vary by state and policy — typically 1–2 years from the date of loss — but prompt notification protects your rights.
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