Hail Damage 101: The Right First Call Can Save You Thousands
Hailstorms may pass quickly, but the damage they cause can stick around and worsen if left unchecked. Instead of rushing to call your insurance company right away, the best first step is to contact a trusted contractor to inspect and verify any damage to your home. Getting a professional assessment early ensures you know the full extent of the impact before involving insurance. From there, your contractor can guide you through the process and handle communication with your insurer, making it simple, stress-free, and potentially saving you thousands.
Hail Happens—Here’s Why You Shouldn’t Ignore It
Even small hailstones can pack a punch. They can dent shingles, crack flashing, and compromise your roof in ways that aren’t visible from the ground. And even if the damage seems minor now, it can lead to leaks, mold, and structural issues in the future.
Good news? Most standard homeowners’ insurance policies cover hail damage. The key is acting quickly and working smart.
Step One: Call Your Contractor
Before you pick up the phone to call your insurance company, call a trusted contractor. Having a professional on your side before the adjuster shows up can make all the difference. A qualified contractor will perform a thorough inspection, identify hidden or subtle damage, and give you a clear understanding of what repairs are actually needed.
This sets the stage for a smoother, more accurate insurance claim, because when your contractor meets the adjuster on-site, they can speak the same language and advocate for your home from the very beginning.
Step Two: File the Claim
This is what insurance is for! Too many homeowners hesitate to file a claim out of fear it will raise their premiums or because the damage “doesn’t look that bad.” But your insurance policy is designed to help in exactly these situations, and failing to act could mean paying out of pocket for repairs down the line.
Filing a claim gets the ball rolling toward fixing your home right, without unnecessary financial strain.
Step Three: Let Your Contractor Handle the Insurance Conversation
This is where things work in your favor: a qualified contractor knows the ins and outs of the insurance process. They know what adjusters need to see, how to document damage correctly, and how to ensure every legitimate repair is accounted for in the claim.
Think of them as your home’s advocate. They’ll make sure nothing gets overlooked.
But Wait, Aren’t Insurance Companies Just Out to Save Money?
While insurance companies are mindful of costs, most aim to handle claims fairly and efficiently, because doing so ultimately protects their bottom line, too. Addressing storm damage correctly the first time helps prevent bigger, more expensive issues down the road, which means fewer future claims and less risk overall.
The challenge? Adjusters aren’t specialists in every type of home damage. Roofing, siding, gutters, and structural components require technical expertise that general adjusters may not have. That’s where your contractor comes in.
By having a knowledgeable contractor on-site, you help ensure the damage is properly identified and documented from the start. This doesn't create conflict. It creates clarity. And that benefits everyone: you, your contractor, and your insurance company.
Why This Team Approach Works
No Guesswork – Your contractor knows what to look for and how to document it.
Better Claims – You’ll likely get more of what your home truly needs.
Faster Results – Fewer delays, less back-and-forth, more action.
Peace of Mind – You get the repairs you need, done right the first time.
Have questions or need help after a storm?
Call Hyperion Construction at 720-732-7236 for a free inspection and expert guidance. We’re here to help you navigate the process from start to finish with far less stress and all the support you need. You can also fill out a inspection request form on our main page HERE.
