After hail: organize roof questions without climbing

Begin with the event and the property

Write down the event date and the observations made at your home. A regional weather report provides context, but it does not establish damage to a particular roof. Keep existing roof records and earlier repair information separate from new observations so the assessment can distinguish known conditions.

Photograph from safe positions

Use ground-level views and safe indoor photographs if water has appeared. Do not climb a ladder, walk on the roof or handle loose material to create evidence. Describe the location of each photo and when it was taken. Keep originals so you can provide a consistent record if a contractor or insurer requests it.

Ask for a documented finding

Request an explanation of the observed condition, proposed work and any uncertainty. A recommendation should be tied to the property, not just a statement that a storm affected the neighborhood. If replacement is proposed, ask why repair is insufficient and compare the written options.

Keep the insurance question separate

Ask your insurer about its process and the documents it needs. This website does not determine coverage, interpret a policy or promise claim approval. A roofing scope and an insurance decision are separate records. Avoid approving work based on an unsupported promise that an insurer will pay.

Storm documentation checklist