Roof Claim Answers

How do you find hail storms by address for an insurance claim?

Short answer. Free public sources like NOAA's Storm Events Database, the Storm Prediction Center's daily storm reports and radar-based hail maps show when and where hail fell near an address, and North Georgia homeowners can check northgeorgiahailmap.com by zip code. Insurers and roofers also use commercial address-level hail reports that estimate the largest hail size at a property on each date.

Why the date matters

Every claim needs a date of loss inside your policy period. The wrong date can lead to a denial, a dispute over which storm caused what, or a second deductible. Checking hail history before you report lets you name the right storm.

Free sources

Limits of the data

Spotter reports are sparse; a storm can drop large hail where no one reported it. Radar estimates are estimates, sometimes high or low by a size class. Hail swaths can be narrow, so one side of a neighborhood may be hit hard while the other is spared. Treat the data as support, not proof.

Putting it together

  1. List possible storm dates near your address.
  2. Compare with what you remember and when damage appeared.
  3. Have a roofer match the size and freshness of hits on your roof to the likely date.
  4. Report that date and keep the supporting records.

More: choosing the date of loss and hail size and roof damage.

In depth

How should you prepare for the insurance adjuster's roof inspection?What to gather before the roof adjuster arrives, who should be there, what to say and not say, and what not toWhy did my insurance company send an engineer to inspect my roof?Why insurers hire engineers on roof claims, what the reports address (cause, timing, functional damage, wear) What is a hail test square, and how many hits does a roof need?How adjusters use 10 by 10 test squares to count hail hits per slope, why 8 to 10 hits is a carrier guideline,

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