You’re not alone—and you’re not powerless. Dealing with insurance carriers can be overwhelming, especially when you’re trying to understand what qualifies as hail damage. At Ask An Adjuster, our certified Public Adjusters are here to simplify the process and work for the full compensation you deserve.

Hail Damage Can Be Sneaky (and Costly)

Hailstorms come fast and without much warning. In just a few short minutes, they can unleash untold damage on your property—especially your roof, vehicles, windows, skylights, siding, docks, fences, and even HVAC units.

While some signs of hail damage are obvious (like broken windows or dented cars), others—particularly on the roof—are harder to detect without a trained eye. A roof may appear fine from the ground, but shingles can be bruised or cracked, leading to leaks, mold growth, and costly interior water damage down the road. Hail damage can also drastically reduce the life of your roofing system.

Understanding the Power of a Hail Strike

Hailstones can travel at speeds of over 100 mph. That’s faster than most highway limits—and more than enough force to shatter glass, dent metal, and compromise roofing materials. Every year, hail causes more than $1 billion in property damage across the U.S. And yet… many property owners don’t realize the full extent of the destruction until it’s too late.

🚩 What Qualifies as Hail Damage?

 

• Dented or bruised shingles

• Granule loss on asphalt shingles

• Cracked or broken tile roofing

• Damage to gutters, flashing, or vents

• Cracked skylights or broken windows

• Dents on siding, garage doors, HVAC units

• Leaks appearing weeks or months after a storm

Don’t rely on your own eyes—or a contractor with a sales pitch—to find and document hail damage. Insurance claims are time-sensitive, and any delay could cost you your right to file. Your time to file a claim is extremely short in Florida.

Why a Certified Public Adjuster Should Inspect Your Property

 

Your insurance carrier won’t automatically cover hail damage—they rely on you to report it. But if you don’t see the damage yourself, how can you report it accurately?

That’s where Ask An Adjuster steps in. Our licensed Public Adjusters ensure every area of impact is documented. We know what to look for, and we know how to speak the insurance company’s language. Our team has handled hail claims from coast to coast, including some of the worst storm events in recent history. We even inspect large boats, yachts, and docks—because hail doesn’t just damage homes.

#1 Reason Claims Get Denied?

 

Pre-Existing Conditions. Protect Your Property Before the Next Storm Hits: Why You Need a Policy Review & Certificate of Good Condition

 

Just because your property survived the last hailstorm doesn’t mean you’re in the clear. Many insurance claims are denied because the damage is labeled as a pre-existing condition, and oftentimes is not. The best way to protect yourself? Schedule a pre-storm inspection and secure a Certificate of Good Condition. This establishes the current state of your property and helps ensure any future damage is clearly storm-related, not blamed on wear and tear, or pre-existing conditions.

Timing Is Everything – Don’t Miss Your Deadline

 

In Florida and many other states, you only have one year from the storm date to file a new hail claim. For example, If your property was hit by hail on May 9, 2024, for example, your time to file ends May 9, 2025! Letting that deadline pass could mean paying out-of-pocket for thousands in repairs—repairs your insurance policy would have covered.

✅ What to Do Next

 

If you suspect hail damage or just want peace of mind, here’s what we recommend: Call Ask An Adjuster for a FREE, no-obligation hail inspection.

Let our licensed adjusters document every detail of the damage. We file and manage your insurance claim, negotiating for the maximum payout. If your claim has already been denied or underpaid, we can reopen the file and pursue a fair settlement. If there is NO damage, even better! We’ll issue you our Certificate of Good Condition to help you avoid a potential future denial.

Get started with our 100% FREE Inspection & Policy Review Today!

We Work With Homeowners, Contractors, HOAs, and CAMs

Whether you’re a homeowner, community manager, or contractor, Ask An Adjuster can support your efforts to address storm damage before the deadline passes. We work closely with HOAs and CAMs to offer group inspections and streamline the claims process across entire communities.

Your Hail Claim Advocate

At Ask An Adjuster, we bring deep expertise and a commitment to getting you the compensation you’re entitled to. If your home, business, boat, or dock has been impacted by hail, don’t wait. Let us fight for what your policy promises. Call now at (877) 275-0275 or click to book your FREE hail damage inspection.