Hail Damage Checklist: What to Document Before You Call the Insurance Company
Hail claims often go sideways for one simple reason: **the damage isn’t documented clearly enough at the beginning**.
You don’t need to be an expert to build a strong claim file, but you *do* need to be organized. Here’s a practical checklist you can use for both residential and commercial properties.
1) Safety first
- Don’t get on a steep roof without proper safety equipment.
- Watch for downed power lines, broken glass, and unstable ceilings.
- If there’s active leaking, prioritize stopping further damage.
2) Capture the basics (same day if possible)
- Date and approximate time of the storm
- Your property address and best contact number
- Any weather alerts, local reports, or neighborhood confirmations
3) Take wide photos (context)
Start with wide shots so a stranger can understand what they’re looking at:
- Front/back/left/right exterior elevations
- Roof line from the ground (multiple angles)
- Gutters, downspouts, window screens, garage doors
- HVAC units and rooftop equipment (commercial especially)
4) Take close-up photos (proof)
- Dents on soft metals (gutters, vents, flashing, AC fins)
- Window screen impacts
- Siding impacts (if visible)
- Any fractured shingles/tiles (if safely accessible)
Tip: Put a **coin or tape measure** in the photo for scale.
5) Document interior issues immediately
If you have leaks, staining, or water intrusion:
- Take photos of stains and active drips
- Note locations by room and ceiling/wall area
- Save any receipts for mitigation (tarping, temporary repairs, fans/dehumidifiers)
6) Keep everything in one folder
Create a single claim folder (phone or computer) with:
- Photos/videos
- Roofer/contractor notes or bids
- Carrier emails and claim number
- Repair estimates
- Receipts and invoices
7) Avoid common mistakes
- Don’t throw away damaged materials until advised (when possible)
- Don’t rely on “one photo” — take lots
- Don’t assume the carrier will document everything for you
Want a second set of eyes?
If you’re in the St. Louis metro (Missouri or Illinois), we can review your documentation and the carrier’s scope/estimate.
**Request a claim review:** Contact form
— STL Public Adjusting — David Day