Hail damage claims are among the most frequently denied by insurance companies. Insurers often argue that minor dents, granule loss, or cosmetic imperfections do not constitute substantial damage, even though these issues can lead to long-term structural problems.
Hail damage is often minimized during inspections. Insurers may rely on cursory assessments, flawed satellite imagery, or technicalities in policy language to deny claims. Many property owners are unaware that these denials are not always justified, and challenging them is possible with proper evidence.
To protect yourself, document all hail impacts with detailed photos and videos immediately after the storm. Obtain independent roofing or structural assessments to corroborate your claim. Keep meticulous records of every conversation with your insurer. By understanding how insurers evaluate hail damage, property owners can challenge unfair decisions and ensure their property is fully repaired.
