Hail hit Utah County: 6 steps before you file a roof claim
A hailstorm just rolled through Provo or Orem and your neighbor's contractor is already knocking doors. Before you sign anything or call your insurer, do these six things — in this order.
1. Document from the ground, same day
Photograph hail on the lawn next to something for scale (a coin, a tape measure), dents in gutters and downspouts, and damaged window screens or AC fins. Timestamped ground-level photos establish the storm date — the anchor your whole claim hangs on.
2. Don't get on the roof
Hail-bruised shingles are slick, and a fall costs more than any claim pays. Damage assessment on the roof itself is what a documented professional inspection is for.
3. Get a documented inspection before you file
Filing “blind” — before you know what's actually up there — is how claims get lowballed or denied. A proper inspection chalk-marks and photographs every hit, so when the adjuster arrives, there's already a damage map to walk through.
4. Check your policy's two key lines
Find your declarations page and look for RCV vs. ACV (replacement cost vs. depreciated payout) and ordinance & law coverage (pays for bringing the roof to current code). These two lines decide whether your claim funds a real roof or a partial patch.
5. File the claim yourself — informed
The call takes about ten minutes. You'll give the storm date, describe the documented damage, and get a claim number and adjuster appointment. Have your inspection report in front of you.
6. Have your contractor meet the adjuster
Adjusters look at hundreds of roofs after a storm. A contractor on the roof with them, walking hit by hit through the documentation, is the single biggest factor in a properly scoped claim.
Serving Provo, Orem, all of Utah County & the Greater Phoenix area · (801) 515-5597