Hailstorms are a fact of life in places like Nebraska and Wyoming. One minute the sky is clear, and the next you’re dealing with pounding ice that can damage roofs, siding, windows, and vehicles in just a few minutes.
After the storm passes, it’s important to act quickly—but also carefully. Knowing what to do (and what not to do) can make the claims process smoother and help you avoid costly mistakes.
Here’s a step-by-step guide to handling hail damage the right way.
Step 1: Stay Safe First
Before inspecting any damage, make sure it’s safe to do so.
- Watch for downed power lines or debris
- Be cautious of broken glass or sharp materials
- Avoid climbing onto your roof—leave that to professionals
Your safety should always come first.
Step 2: Inspect for Visible Damage
Once it’s safe, walk around your property and look for signs of damage.
Common hail damage includes:
- Dents or cracks in siding and gutters
- Missing or damaged shingles
- Bruising on roofing materials
- Broken windows or screens
- Damage to outdoor equipment (AC units, grills, furniture)
- Dents on vehicles
Even small hail can cause hidden damage, especially to roofing.
Step 3: Document Everything
Good documentation is key to a smooth insurance claim.
- Take clear photos and videos of all visible damage
- Capture wide shots and close-ups
- Note the date and time of the storm
- Keep records of any temporary repairs
The more evidence you have, the easier it is for your insurance company to assess your claim.
Step 4: Prevent Further Damage
If your home has been compromised, take steps to prevent additional issues.
- Cover broken windows with plastic or boards
- Place tarps over exposed roof areas (if safe to do so)
- Move belongings away from affected areas
Most insurance policies require you to take reasonable steps to prevent further damage.
Step 5: Contact Your Insurance Agent
Reach out to your insurance agent or company as soon as possible.
They can:
- Help you understand your coverage
- Walk you through the claims process
- Answer questions about deductibles and next steps
Filing sooner rather than later helps avoid delays.
Step 6: Schedule a Professional Inspection
Even if damage looks minor, it’s a good idea to have a professional inspect your property.
- Roofing contractors can identify hidden damage
- Insurance adjusters will evaluate the claim
- Get multiple opinions if needed—but be cautious of storm-chasing contractors
After major storms, some contractors go door-to-door offering quick repairs. Always verify credentials and avoid signing anything on the spot.
Step 7: Understand Your Deductible and Coverage
Before repairs begin, make sure you understand your policy.
- Many policies have separate wind/hail deductibles
- Deductibles may be a flat amount or a percentage of your home’s value
- Coverage may vary depending on roof age or materials
Knowing your out-of-pocket costs upfront helps you make informed decisions.
Common Mistakes to Avoid
After a storm, it’s easy to feel overwhelmed. Avoid these common pitfalls:
- Waiting too long to file a claim
- Not documenting damage thoroughly
- Hiring unlicensed or uninsured contractors
- Signing contracts before your claim is approved
- Assuming all damage is visible
Taking a little extra time upfront can prevent bigger issues later.
Why Quick Action Matters
Hail damage isn’t always obvious right away—but left unaddressed, it can lead to:
- Roof leaks and water damage
- Mold growth
- Structural issues over time
Addressing damage early helps protect your home and keeps repair costs from escalating.
Be Prepared Before the Next Storm
Living in Nebraska or Wyoming means storms are part of the deal. The best time to understand your coverage is before the next hailstorm hits.
- Review your homeowners policy annually
- Know your deductible
- Keep an updated home inventory
- Have a trusted contractor or agent you can call
Preparation makes all the difference when severe weather strikes.
We’re Here When You Need Us
Dealing with storm damage can be stressful—but you don’t have to handle it alone.
👉 If your home has been affected by hail, contact us today. We’ll help guide you through the claims process and make sure you’re taken care of every step of the way.