How to File a Hail Damage Roof Insurance Claim in Kansas

Start with a free inspection

Hail damage is often invisible from the ground. Bruised or cracked shingles, granule loss, and dents in vents, flashing and gutters are easiest to spot up close. Before you call your insurer, have a contractor inspect the roof and photograph any damage so you know whether a claim is worth filing.

Check your policy and deductible

Many Kansas homeowners policies carry a separate wind and hail deductible, often written as a percentage of your home's insured value rather than a flat dollar amount. Look at your declarations page so you know what you will owe before repairs begin.

Also check whether your policy pays replacement cost or actual cash value for the roof. Replacement cost policies usually hold back depreciation until the work is finished, then release it once you send proof of completion.

File the claim promptly

Most policies require you to report damage within a set time after the storm. Note the date of the storm, gather your photos, and file the claim by phone, app or your agent.

Meet the adjuster

The insurance company will send an adjuster to inspect the roof. Having your contractor there helps make sure every damaged area — roof, gutters, siding, screens and windows — is noted in the adjuster's report.

Review the scope and schedule the work

Compare the insurer's scope of loss with your contractor's findings. If something was missed, your contractor can document it so you can ask for a supplement. Once the scope is agreed, schedule the replacement and keep all invoices for the final depreciation payment.

• Never sign over your claim to a contractor you haven't vetted
• A contractor should not offer to waive or cover your deductible
• Keep copies of every photo, estimate and invoice