Wind and hail are still two of the most common property claims in the states we serve. They are also two of the easiest for a carrier to under-scope. A missing shingle is visible from the street. Bruised mats, lifted flashing, and a wet attic are not.
The old CMA post on this offered free assessments. That part still holds: the review is free, and there is no obligation. What we dropped is contractor sales language. This is for the person whose roof took the storm.
Call if any of this is true
- You saw hail hit the house, the shop, or the cars in the driveway.
- Neighbors had damage, even if your first look seemed fine.
- Shingles are missing, creased, or granule-bare.
- A leak showed up days later in a ceiling, an upstairs closet, or around a chimney.
- The carrier already came out and the number does not cover a real roof.
What a real assessment puts in the file
- A clear scope — not a patch list written from the driveway.
- Photos the desk examiner cannot ignore.
- The difference between wear and storm damage, documented.
- Interior water that followed the roof, not a separate “maintenance” story.
- Code, matching, and the rest of the policy — not just the squares of shingles.
Hail does not have to break a hole in the roof to be a claim. If the storm hit your block, have someone who works for you look at it before you sign off.
Rewritten from CMA’s 2019 wind and hail assessment post.