Hail Damage: What to Do Before You File a Claim

If you’ve lived in the Hill Country for more than five minutes, you know hailstorms aren’t a matter of if—they’re a matter of when. And when those ice balls start falling, your roof, gutters, and siding can take a beating.

But here’s the truth most homeowners don’t hear: filing a claim isn’t always your best first move.

Let’s walk through a smarter strategy so you can protect both your home and your insurance record.

Step 1: Inspect (Safely) After the Storm

Once the storm passes, do a quick visual check:

• Look for dented gutters, downspouts, and garage doors
• Check for missing or damaged shingles (from the ground or with binoculars)
• Look for debris or granules around downspouts

If you’re not comfortable climbing up, don’t. A professional inspection is worth it.

Step 2: Document Everything

Before calling anyone, take photos and videos of:

• Roof damage (if visible)
• Dents on metal surfaces
• Interior leaks or water spots

This documentation helps support your claim if you decide to file—and gives your agent a clearer picture upfront.

Step 3: Call Your Agent FIRST

This is where most people go wrong.

Before filing a claim, call your insurance agent (that’s us). We’ll help you:

• Compare estimated damage to your deductible
• Review your policy coverage
• Decide if filing a claim actually makes sense

Because once a claim is filed—even if it pays $0—it can still show up on your claims history.

When NOT to File a Claim

Not every hailstorm warrants a claim. You may want to hold off if:

1. Damage is below your deductible
   If repairs cost $2,000 and your deductible is $2,500, you’re paying out of pocket anyway.
2. It’s cosmetic damage only
   Many policies exclude or limit cosmetic damage (like minor dents that don’t affect function).

Filing small or unnecessary claims can cost you more long-term than just handling the repair yourself.

How Claims History Impacts Your Premium

Insurance companies track your claims history—typically over a 3–5 year period.

More claims can lead to:

• Higher premiums
• Reduced eligibility with preferred carriers
• Fewer options at renewal

Translation: not all claims are worth filing.

Watch Out for Storm Chasers

After a big hailstorm, out-of-town contractors roll in fast.

Be cautious:

• Avoid high-pressure “sign now” contracts
• Verify licensing and insurance
• Check local references and reviews

A reputable, local contractor will still be here next month—and next year.

What to Expect If You Do File

If filing a claim makes sense, here’s a typical timeline:

1. Claim is filed and assigned to an adjuster
2. Adjuster inspects your property
3. Estimate is provided
4. Repairs begin after approval

We’re Your Advisor—Not Just Your Policy Provider

At Dowd Insurance Agency, our job isn’t just to sell you a policy—it’s to help you use it wisely.

Before you file a claim, give us a call. We’ll walk you through your options, help you avoid costly mistakes, and make sure you’re making the best decision for your home and your wallet.

Because in hail season, smart decisions matter just as much as strong coverage.