How Do You Document Hail Damage for an Insurance Claim?

Begin with the essentials: the date and time of the hail storm, the approximate size of the hailstones, and the direction the wind came from. Write these down while the event is fresh in your memory. If your home has a weather station or you can check a local weather log, note the official readings.

Photograph the exterior of your home from all sides, then zoom in on specific spots. Include the roof, siding, gutters, windows, and any outdoor equipment like an air conditioner unit. Capture both wide shots and close-ups so the overall condition and the individual dents are both visible.

Walk around your home and check the roof shingles, metal flashing, vents, and skylights. Look at the siding, window frames, and door frames. Do not forget the garage door, the porch, and any fences or sheds. Each surface needs its own set of photos.

If you have a drone or a tall ladder, get shots of the roof from above. If you cannot safely reach the roof, photograph what you can see from the ground and note that the upper areas need a closer look. Never climb onto a wet or steep roof yourself.

Create a simple list of each damaged item, where it is located, and what you see. For example, note "siding on the north wall, three dents near the corner" or "roof shingles over the garage, several dark spots." This log helps you stay organized and makes it easier to discuss the damage with the pros.

Store all your photos, receipts, and the log in one folder, either digital or paper. If you need help with the claim process, a local water damage pro can inspect the property and provide a detailed report. That report can support your documentation.

• Photograph each damaged area from at least three angles
• Include a ruler or coin in every close-up shot
• Write down the storm date, time, and hail size
• Save receipts for plywood, tarps, and other materials
• Note any pre-existing damage you already knew about
• Keep a copy of your photos in a separate location