How Do Insurance Adjusters Inspect Hail Damage?
Last updated October 26, 2026
The short answer
What Adjusters Look For
Adjusters start by walking around your home to spot visible hail impact marks. They check roof shingles for bruising or granule loss, inspect metal siding and gutters for dents, and look at windows and skylights for cracks. They also note the age and material of each surface, since older or worn materials may affect how damage is assessed.
The adjuster will measure the size of any dents or impacts and document the pattern of damage across your property. This helps them determine whether the hail caused widespread harm or isolated issues. They may also check for secondary problems like water stains or leaks that resulted from the hail, since those can complicate the claim.
- Roof shingles with bruising or missing granules
- Dents in metal siding, gutters, and downspouts
- Cracks or chips in windows, skylights, and doors
- Damage to attic vents, chimney caps, or roof flashing
- Water stains or damp spots inside your home
- Condition and age of the impacted materials
Documentation and Photos
The adjuster takes detailed photographs of every damaged area, often from multiple angles. They may use a drone or ladder to capture roof damage that is not visible from the ground. Each photo is time-stamped and logged, and the adjuster records the dimensions of the damage for their report.
You can help by taking your own photos before the adjuster visits. Capture close-ups of each dent or crack, along with wide shots that show the overall scene. Keep any broken pieces or displaced granules in a bag to show the adjuster, since this evidence can support your claim.
How the Inspection Process Works
The adjuster will inspect the exterior of your home first, then move inside to check for water intrusion or structural issues. They may use a moisture meter to detect hidden dampness in walls or ceilings. If they find signs of leaks, they will note the source and extent of the damage.
After the walkthrough, the adjuster compiles a report with their findings and sends it to your insurance company. You may receive a copy of the report, which can help you understand what was documented. If you disagree with the assessment, you can ask your insurer to reconsider, though the final decision rests with them.
Preparing for the Adjuster
Before the adjuster visits, make a list of all the damage you have noticed, including dates and any visible changes over time. This helps you remember key details during the inspection. Clear any debris or obstacles around your home so the adjuster can access all affected areas safely.
Have your insurance policy and any prior repair records handy. If you have made temporary repairs to prevent further damage, show the adjuster what you did and keep receipts for those materials. This documentation can support your claim, but remember that your insurer decides what is covered.
After the Inspection
Once the adjuster submits their report, your insurance company will review it and determine the payout amount. This process can take time, so be patient and stay in touch with your insurer for updates. If you need help documenting the damage or understanding the next steps, local water damage pros can assist with inspections and cleanup.
If you live in Tulsa, keep a folder with all your hail damage photos, receipts, and correspondence in one place. This makes it easier to reference details if you need to follow up with your insurer or hire help for repairs. Policies vary, and your insurer decides what is covered.
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Call Now (918) 496-6447Frequently asked questions
Should I clean up hail debris before the adjuster visits?
Leave the debris in place until after the adjuster inspects your property. Removing it can make it harder to prove the damage. If you must clear a safety hazard, take photos first and keep the debris in a bag to show the adjuster.
Can I be present during the inspection?
Yes, you can be present during the inspection. Walk with the adjuster and point out any damage you have noticed. This helps ensure nothing is missed and gives you a chance to ask questions about the process.
What if I disagree with the adjuster's findings?
You can provide additional evidence, such as your own photos or repair estimates, to your insurance company. Ask for a written explanation of the decision and review your policy to understand your coverage. Policies vary, and your insurer decides what is covered.
More questions and answers
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- Why Do Insurance Companies Deny Water Damage Claims?
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