Successful storm claims start with documentation — date of loss, weather reports for that date, ground and roof photos, interior damage, and an independent inspection report. Document early; memory fades and damage can be obscured by subsequent events.
Key facts
- Establish a clear date of loss — the date the damaging storm occurred.
- Pull a NOAA / National Weather Service report for your zip code on that date.
- Hail size is verified via radar (MESH) data and ground reports.
- Photos should include wide shots, mid-range, and close-ups with a reference object for scale.
- Interior damage (water stains, drywall cracks) should be documented alongside exterior damage.
Step-by-step
- 1
Establish date of loss
The specific date the damaging storm passed. NWS storm reports confirm this.
- 2
Take ground photos immediately
Damaged siding, debris, downed limbs, gutters with granule loss.
- 3
Schedule a contractor inspection
A qualified contractor adds attic and roof-surface photos plus a written report.
- 4
Gather weather evidence
NWS storm reports, NOAA radar archive, or third-party hail-history services.
- 5
Document interior damage
Water stains, paint blisters, drywall cracks, attic moisture.
- 6
Preserve all evidence
Don't make permanent repairs until the adjuster has documented the damage. Emergency tarping is fine.
Frequently asked questions
How soon should I document storm damage?+
Within days. Wind-lifted shingles can re-seat; granule scatter washes away; subsequent storms add confusion.
Can I take roof photos myself?+
Stick to the ground. A wet or damaged roof is dangerous. Free contractor inspections include roof-surface photos.
Where do I get a weather report for the date of loss?+
NWS Storm Events Database, NOAA radar archive, or services like CoreLogic and HailRecon.
Do I need an engineering report?+
Not initially. A contractor inspection report is typically sufficient. Engineering reports are sometimes used in disputed claims.