By 
Hail and windstorms roll through Ohio every spring and summer. If one damaged your roof, the steps you take in the first few days make a big difference to your claim.
This guide is general information, not legal or insurance advice. Your policy controls what is covered, so read it or ask your agent.
Step 1: Stay safe and prevent more damage
Don’t climb on a wet or damaged roof. If water is coming in, put down buckets and move valuables. Most policies expect you to take reasonable steps to prevent further damage, such as a tarp, and they often reimburse the cost. Keep the receipts.
Step 2: Document everything
- Photograph the roof from the ground, plus damaged gutters, siding, window screens, cars and outdoor furniture.
- Take date-stamped photos of hail next to a coin or ruler, if you can.
- Photograph interior leaks and stains.
- Write down the date and time of the storm.
Step 3: Get a professional inspection
Hail damage is often invisible from the ground. A reputable local roofer can inspect the roof and document the damage before you file. Ask for photos and a written summary.
Step 4: Check your policy and file promptly
Look for your deductible (many Ohio policies use a percentage deductible for wind and hail) and the deadline to report damage. Many policies require prompt notice, and some limit claims to a set period after the storm. Call your insurer or file online, and write down your claim number.
Step 5: Meet the adjuster
Ask your roofer to be there when the adjuster inspects. Walk the adjuster through your photos. You’ll get a written estimate. Often the first check covers the actual cash value, and the rest (recoverable depreciation) is paid once the work is done.
Step 6: Review the estimate and hire carefully
Compare the adjuster’s estimate with your roofer’s. If items are missing, such as drip edge, ice and water shield, or code-required upgrades, your roofer can submit a supplement.
Watch out for storm chasers
After big storms, out-of-town crews knock on doors. Protect yourself:
- Don’t sign anything on the spot. Under Ohio’s Home Solicitation Sales Act, you generally have three business days to cancel a contract signed at your home with a door-to-door seller.
- Be wary of anyone who offers to “cover” or waive your deductible. That can be insurance fraud.
- Ask for a local address, proof of insurance and local references.
- Never pay in full up front.
Next steps
Take the Roof Health Assessment to gauge how serious the damage is, download the storm damage checklist, and compare local roofers for an inspection.
