1. Make the situation safe
Stay clear of unsafe roofs and damaged electrical equipment. Arrange safe temporary protection where needed. Photograph conditions and keep receipts.
2. Notify your insurer
Use the claims route on your policy or insurer’s official website. Record the claim number, contact details, and what you reported. Describe uncertainty honestly when you do not know the date or cause.
3. Assemble a claim file
Keep your policy, original photos, inspection reports, repair history, weather records, estimates, receipts, and communication log together.
Download the claim-record template →4. Prepare for the inspection
Make a list of areas to discuss. Share supporting material and ask how to submit additional findings. Request an itemized estimate and an explanation of the coverage decision.
5. Review the decision and next steps
Compare the written decision with the policy and repair scope. Ask about discrepancies, requested documents, and repair deadlines. Keep copies of every submission.
Source: TDI: hail claim guidance ↗
If you disagree with the decision →Hail damage to a vehicle?
This guide covers home insurance claims. For auto coverage, repair estimates, and car-specific next steps, read the vehicle hail damage claim guide.