Storm and hail damage: roof help for homeowners
A hailstorm can leave a lot of questions behind. Is my roof damaged? Should I file a claim? Is this quote fair? We put our storm and insurance guides in one place, along with local hail reports built from National Weather Service and NOAA records.
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How to file a roof insurance claim after hail
Document the storm, protect the house, read your policy, get an honest inspection, then file. Here’s the order that keeps you in control.
How to read an adjuster’s roof estimate
RCV, ACV, depreciation, overhead and profit, and supplements, explained with a worked example.
What to do if your roof claim is denied
Reinspection, the appraisal clause, public adjusters, and the deadlines to watch.
Hail damage vs. wear and tear
How hail bruises differ from blistering, cracking, and normal aging, and how to document the difference.
How roof deductibles work
Flat vs. percentage wind/hail deductibles, with the math, and why a roofer can’t “cover” yours in many states.
2026 hail reports by city
Chicago, IL
March 10 brought 4.8-inch hail to Darien and a 6.6-inch state-record stone near Kankakee. July 27 added 2- to 3-inch hail in the western and southwestern suburbs.
Kansas City, MO & KS
Up to 4.5-inch hail (preliminary) near Weatherby Lake on March 10, and golf ball hail across KCK and North Kansas City around 1 to 2 a.m. on August 19.
Rapid City, SD
On August 11, a Black Hills supercell dropped 2.5- to 3-inch hail near Rockerville and up to 3.6 inches near Hermosa. Golf ball hail hit Rapid City on June 22.
Amarillo, TX
Four separate storms with 2-inch or larger hail: March 3–4, May 22, June 23, and September 10.
Denver, CO
Golf ball hail in Denver on June 1 and near Golden on June 8, then repeated August hail in Centennial, Foxfield, and the southeast metro.
Where our storm data comes from
Our local pages use public records from the NOAA/National Weather Service Storm Prediction Center’s daily storm reports, NOAA’s Storm Events Database, and event summaries published by local NWS offices. We list dates, places, and reported hail sizes as published and link every source. Recent reports are preliminary and can be revised.
A storm report near you supports a claim, but it doesn’t prove your roof was damaged. Hail varies block to block, so an inspection still matters.
After a storm: a 5-minute checklist
- Write down the date and time you heard hail.
- Photograph damage you can see from the ground: gutters, vents, AC fins, screens, siding, cars.
- Stop any leaks with a tarp or bucket, and keep receipts.
- Find your deductible and roof coverage on your policy’s declarations page.
- Get a written inspection from a licensed local roofer before signing anything.
Then, when you’re ready: estimate your cost, check a quote you already have, or post your job so roofers compete for it.
More roofing guides
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