Hailstorms are no stranger to the Midwest—and when one rolls through, it can leave behind more than just a mess. Roofs, siding, gutters, and even windows can take a hit, and as a homeowner, it’s not always clear what to do next.
At Morningside Insurance Group, we want to make sure you feel confident and supported through the hail claims process. Whether your damage is minor or major, here’s a step-by-step breakdown of what to do after a storm:
Step 1: Contact Your Insurance Agent
As soon as the storm passes and it’s safe, give your insurance agent a call. Don’t worry about having all the answers—we’re here to walk you through it.
We’ll ask a few basic questions:
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What parts of the home were affected?
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Are there any leaks or urgent repairs needed?
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Do you have photos of the damage?
This initial call isn’t about filing a claim just yet—it’s about starting the conversation and helping you figure out whether a claim is the right next step.
Step 2: Get Estimates from Multiple Contractors
Even if the damage looks obvious, it’s important to get a professional opinion. Reach out to a few local, trusted contractors and schedule inspections. Most reputable roofers and exterior contractors will provide free estimates.
Why get more than one?
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It gives you a clearer idea of the actual cost.
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It helps ensure you’re not being overcharged.
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It can help avoid scams or pressure tactics that sometimes follow storms.
Some contractors may offer to “handle the claim” for you—but we always recommend keeping your insurance agent in the loop. We work for you, not the contractor.
Step 3: Decide if a Claim Should Be Filed
Once you have a few estimates, it’s time to talk with your agent again. Together, we’ll review:
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Your deductible (especially if you have a separate wind/hail deductible)
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The estimated cost of the repairs
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The long-term impact of filing a claim
Not every hail event is worth filing a claim for. If the damage is below or close to your deductible, it might be better to pay out of pocket. We’ll help you run the numbers and make the call.
Step 4: File the Claim (If It Makes Sense)
If the damage is substantial and filing a claim is the right path forward, we’ll guide you through the process. Once the claim is filed, an adjuster from the insurance company will likely be assigned to inspect the property and verify the damage.
Pro tip: Having one of your contractors present during the adjuster’s visit can help ensure all damage is properly documented.
Step 5: Repairs and Recovery
Once the claim is approved, you’ll receive payment (either directly or through your contractor, depending on how things are set up). You can then move forward with the repairs using the contractor of your choice.
Throughout this phase, we’re still here to help—whether you need a second opinion, help understanding your settlement, or just someone to advocate for you.
We’re Here to Make It Easier
Dealing with hail damage can feel overwhelming, but it doesn’t have to be. When you call Morningside Insurance Group, you’re not just getting an insurance policy—you’re getting a partner who will help you make the right decisions at every step.
Have questions about hail damage or your coverage?
Reach out to our team anytime—we’re happy to talk it through, even before a storm hits.
