Been through a Hailstorm at your House? When to Call Your Insurance Agent After a Hailstorm Versus a Roofer
Hailstorms can be quick but devastating. They can leave behind dents in your car, shredded plants, and—most costly of all—significant damage to your roof. After a hailstorm hits your neighborhood, your first instinct might be to panic—especially if you suspect your roof has taken a hit. But before you rush into action, it’s important to take the right steps. One of the biggest questions homeowners ask after a storm is: Should I call my insurance company first or a roofer?
Many people think they should get a roofer out right away, but the smarter first move is often to call your insurance agent after a hailstorm. Why? Because they’re on your side, they understand your policy, and they can help guide you toward qualified, reputable roofing professionals—instead of sales-driven contractors looking to profit off your fear.
In this post, we’ll explain why it’s best to call your insurance agent after a hailstorm first, how the process typically unfolds, and what to expect along the way.
Step 1: Assess the Situation (But Stay Safe!)
The first thing to do after a hailstorm is to safely assess the condition of your property. Look for visible signs of hail damage:
- -Dents or dings on gutters, downspouts, roof vents or siding
- -Shingles with missing granules or cracking
- -Broken or missing tiles (if you have a tile or slate roof)
- -Shattered skylights
- -Leaks or water spots inside your home
Even if you can’t see those things, any time hail has shredded leaves from trees, it’s a good sign that there may be damage to your roof. If you see visible signs of damage or suspect there could be damage, you’ll need to take the next step.
Why You Should Call Your Insurance Agent First
- Your Agent Already Has Your Business
Your insurance agent isn’t trying to sell you a roof. They’re trying to help you make the right decision. They understand your coverage, your deductible, and the claims process, and they can offer honest, unbiased advice.
Unlike some roofers who may push for a full roof replacement even when one isn’t needed, your agent will start by helping you determine whether a claim makes sense based on your policy and the likely extent of damage. Most insurance agents have a list of 3-5 roofers they recommend.
- Avoid Being Sold on Unnecessary Repairs
Unfortunately, some roofing contractors—especially those who appear right after a storm—are more interested in making a sale than providing an accurate assessment. These “storm chasers” often exaggerate damage or recommend full replacements when simple repairs would suffice.
By calling your agent first, you get an objective partner who can refer you to trusted, vetted roofing professionals.
- Access to Pre-Screened, Reputable Roofers
Most insurance agents have long-standing relationships with qualified local contractors who offer free inspections and have experience working with insurance claims. These roofers have likely worked with clients of your insurance agent in the past.
Rather than Googling “roofers near me” and rolling the dice or letting a roofing salesperson who knocks on your door on your roof, let your agent connect you with someone who’s already earned their trust.
- Avoid Filing Unnecessary Claims
Here’s an important fact: every claim you file goes on your insurance history, even if it’s denied or doesn’t result in a payout. If you call a roofer first and they convince you to file a claim—but it turns out the damage is minimal or under your deductible—you may have a pointless claim on your record.
Your agent can help you avoid filing claims that aren’t worth it, which can protect your premiums and your future insurability.
When to Call a Roofer (Recommended by Your Agent)
Once you’ve spoken to your agent, they’ll often recommend bringing in a roofing contractor for a formal inspection. This is when a qualified roofer, preferably one referred by your insurance agent, steps in to:
- -Conduct a full roof inspection (for free)
- -Document damage or the current condition of your roof with photos and detailed notes
- -Give you a recommendation about whether you should file an insurance claim
- -Offer to help you call in your claim and give you any additional information your insurance company might need
A good roofer works with your insurance company, not against it. They understand how adjusters assess damage and can even meet with them onsite to ensure nothing is overlooked.
How a Hail Claim Process Ideally Works
- You experience a hailstorm.
You notice signs of potential roof damage. - You call your insurance agent.
They review your policy, explain your deductible, and refer a trusted roofer if needed. - Roof inspection is completed.
The roofer confirms whether there is significant damage and provides documentation. - You file a claim (if necessary).
Your agent or the roofer helps guide you through the paperwork and next steps. - An adjuster visits your property.
They assess the damage and if they will cover it. - Repairs or replacement are approved.
Your insurance company will send you an estimate of the work they will cover. - Repairs are made.
You move forward with having a roofing contractor make the repairs on your insurance estimate.
What Does Insurance Typically Cover After Hail?
In most standard homeowner’s policies, hail damage is covered under the dwelling portion of your plan. This can include:
- -Shingle damage (if there is enough)
- -Flashing and underlayment issues
- -Gutters, downspouts, and vents
- -Skylights or roof-mounted HVAC units
Coverage varies by policy and by region. That’s why your agent is a key partner in the process: they know your exact policy terms and can walk you through what to expect.
What If You Call a Roofer First?
If you reach out to a roofer before contacting your agent, here are some potential risks:
- -You might be pressured into filing a claim prematurely, even if damage is minor.
- -The roofer might overstate damage to push for a costly replacement.
- -You could get stuck working with a company that doesn’t understand the insurance process.
- -You may have no recourse if the work is low-quality or done by an out-of-town “storm chaser” who disappears later.
Remember, filing a claim without fully understanding your policy or the true extent of damage can lead to claim denials, wasted time, unnecessary out-of-pocket costs, or negatively affect your insurance coverage.
Red Flags to Watch Out for After a Storm
Be cautious of:
- -Unsolicited roofing offers from contractors who show up at your door after a storm.
- -Promises to “waive your deductible.” This is insurance fraud and could put you at legal and financial risk.
- -High-pressure tactics urging you to sign a contract before you’ve talked to your agent.
- -Companies with no local presence or verifiable references.
A good rule of thumb: If it sounds too good to be true, it probably is.
Pro Tips for a Smooth Claims Experience
- -Call your agent first. Always.
- -Keep detailed records: photos, inspection notes, and all correspondence.
- -Be present for the adjuster’s visit if possible. Ask the roofer your agent recommends to be there.
- -Don’t sign anything until you understand your deductible, coverage, and the scope of work.
- -Use a local, licensed, insured roofer—preferably one your agent refers.
Final Thoughts: Your Insurance Agent is Your First Line of Defense
Dealing with roof damage can be overwhelming—but you don’t have to do it alone. When you call your insurance agent after a hailstorm first, you get a knowledgeable partner who can protect your interests, prevent costly missteps, and connect you with professionals who will treat you fairly.
Don’t let a hailstorm turn into a financial storm. Your agent is there to help you navigate the process, avoid scams, and restore your home with confidence.
Need Help After a Hailstorm?
If your home has been hit by hail, call your insurance agent after a hailstorm first. They can quickly assess your situation, review your coverage, and connect you with a reliable roofer for a no-obligation inspection.
Stay smart. Stay protected. Start with your agent.