Claim Insights for Storm Damage:
When severe weather threatens, preparation and a calm, methodical response afterward can mean the difference between a smooth recovery and months of frustration. Hail, high winds, and heavy rain commonly damage roofs, siding, gutters, skylights, and windows — but if you follow a plan you’ll protect your property, preserve your claim, and improve the chance of a full settlement. Below is a clear, step-by-step workflow for homeowners and commercial property owners who experience hail or roof damage, plus what it’s like to work with Marshall Adjusting and why many policyholders choose our team.
Step 1 — Before the Storm: simple prevention and documentation
Proactive steps reduce damage and speed claims. Trim overhanging branches, secure loose outdoor items, and keep gutters clear. Take dated photos or short video walkthroughs of your roof, exterior, and important interior spaces at least once a year—these “before” images are invaluable when proving loss. Store digital copies of your insurance policy, recent invoices for maintenance or repairs, and receipts for major systems (roof, HVAC) in a safe, accessible place (cloud storage or a dedicated folder on your phone).
Step 2 — Immediately after the storm: safety and damage control
Put safety first — don’t climb on a wet or damaged roof. If there are safety hazards (fallen power lines, structural instability), call emergency services. Once safe, document everything thoroughly: wide shots of your property, close-ups of damaged shingles, dents from hail, broken glass, and any interior water stains. Date each file or video. Take temporary measures to prevent further loss (tarp a leaky roof, board windows), but avoid permanent repairs before your claim is examined. Keep receipts and notes for any emergency repairs — insurers typically reimburse reasonable mitigation costs.
Step 3 — Notify your insurer and review your policy
Contact your insurer or agent as soon as possible to report the loss. Ask about deadlines and the insurer’s claim process, and record the claim number and the name of the representative you speak with. While you should report promptly, be careful: statements and early estimates can shape a claim’s outcome. Save copies of all communications (emails, letters, recorded notes of phone calls).
Step 4 — Document and organize evidence for your claim
Create a single folder (digital and/or physical) with: the claim number, date/time of loss, all photos/videos, “before” images, receipts for temporary repairs, any weather reports if available, and the names and contact information of anyone who inspected the property (contractors, neighbors). A clear, well-organized evidence packet reduces back-and-forth with the carrier and strengthens your position.
Step 5 — Get professional damage estimates and understand coverage
Insurance carriers will send or assign an adjuster to inspect the damage. It’s often beneficial to obtain an independent estimate from a licensed a public adjuster who represents you (not the insurance company). A professional knows how to spot hidden damage (underlayment failure, structural issues) and can prepare a scope of loss that aligns with what a proper repair will cost. Compare estimates against your policy terms: know your deductible, limits, and any endorsements that could affect coverage.
Step 6 — File the claim and negotiate for a fair settlement
When you submit the claim packet, include your documentation and professional estimates. If the insurer’s initial offer is lower than your scope of loss, you can present supplemental evidence and negotiate. That’s where expert representation helps; a public adjuster understands policy language, can prepare supplemental supplements, and will handle communications and appeals if needed.
What it’s like to work with Marshall Adjusting
With 113 years of combined experience representing policyholders, Marshall Adjusting brings a client-first approach to every storm claim. When you call Marshall, you’ll get a dedicated public adjuster who: reviews your policy, conducts a detailed on-site inspection, prepares a contractor-grade estimate, documents every element of loss, and negotiates with the carrier on your behalf. We handle paperwork, deadlines, and follow-up so you can focus on recovery. Our team has helped tens of thousands of policyholders secure fairer settlements and recover greater value for their losses — we take the stress out of the process by communicating clearly, responding quickly, and advocating aggressively for the full scope of necessary repairs.
Why choose Marshall Adjusting?
Policy language is complex and carriers often undervalue or miss hidden damage. Hiring Marshall means you get an advocate who knows the system from the inside and who is focused entirely on your interest — not the carrier’s bottom line. Our experience, detailed documentation, and negotiation expertise increase the likelihood of a faster, fuller settlement and reduce the risk of surprises during rebuilding.
Storms are stressful, but preparation plus the right support makes recovery manageable. If you’ve experienced hail or roof damage, start documenting now, protect the property from further harm, and get expert help to evaluate your claim. For a trusted partner who will fight for the settlement you deserve, contact Marshall Adjusting today — let our experienced public adjusters review your loss, explain your coverage, and guide you step-by-step through the claims process so you can get back to normal sooner.