How Long Do I Have After Hail Hits To File An Insurance Claim?
How Long Do I Have After Hail Hits To File An Insurance Claim?



It awakens you in the middle of the night, a quiet rain quickly progressing to a violent “plink, plink, plink” of hailstones hitting your roof.

And with the hailstones’ chant comes along the “tick-tock” of the hail claim clock.

Now that your home has been hit with hail, how long do you have to call a roofer for an inspection, and file an insurance claim if there is damage?


How long after hail hits do I have to file an insurance claim?


The good news is this:  most insurance companies allow you up to twelve months to file a claim on hail damage.

However, you don’t want to wait that long! Hail damage can wreack havoc on your roof and home. As your roof plays a vital role in protecting the rest of your home (and your family and belongings within it), you want to make sure it is up to the task!


What if hail struck over a year ago, but I never filed a claim?


Even if your window of time to file a claim has closed, you might still get a chance to receive insurance compensation for the damage. If hail has hit again since, you can file a claim on roof damage whether the damage came from the most recent storm, or a storm from over a year ago! 

Your window of time to file a hail claim resets with each hail storm that strikes your home.

A quality roofing company will offer you a free hail inspection and estimate on the cost for repairs or replacement. Just make sure you call a reputable, local contractor who has been in business for at least 5 years; ideally much longer.


What if I don’t qualify for an insurance claim?


Whenever hail hits, it is a good idea to have your roof inspected by a professional. Don’t wait around for another storm, leaving the integrity of the rest of your home up to chance; make sure damage is assessed and properly repaired as soon as possible. You might be surprised to find how affordable your repair, or even roof replacement will be, even if you don’t qualify for insurance compensation.


Can I afford a new roof without an insurance claim?


Even if you don’t qualify for an insurance claim, don’t put off having your roof damage addressed and repaired. Waiting will most likely end up costing you more down the road as a compromised roof allows more damage to erode away at your home. Take action and call a qualified, reputable roofing contractor today!

If your roof qualifies for an insurance claim, a quality contractor will assist you in walking through the claim process from start to finish. If you don’t qualify for insurance compensation, then the contractor should be able to offer you several options for repairs or replacement based on the damage and your budget.

If you don’t qualify for an insurance claim, a quality roofing contractor will have several payment options available to help you fit your new roof into your budget.

Always ask a roofing contractor if they are offering any specials, discounts, or rebates.

Some contractors also offer low-minimum financing to help you afford your new roof comfortably. When an inspection and estimate are free, there’s no reason to wait! Take action and protect your home.