What we do
Hail Claim is an independent publisher. Every guide on the site is a procedural playbook — what to do, in what order, with the receipts to back each step. We translate insurance policy language, public adjuster practice, contractor economics, and Department of Insurance procedure into something a homeowner can actually follow.
What we don't do
- We are not a licensed public adjuster, attorney, or contractor.
- We do not handle claims on a homeowner's behalf.
- We do not accept paid placement or carrier sponsorship inside guides.
- We do not sell your information. The contact form is the only data we collect.
Editorial standards
Every guide is built on three rails:
- Primary sources first. We cite statute, NAIC market-conduct data, NOAA storm events, and state Department of Insurance complaint filings before we cite secondary commentary.
- Working practice over theory. We talk to public adjusters, attorneys, and roofers who actually work claim files for a living, and we link the Reddit threads, YouTube depositions, and trade-press articles that show their reasoning in the wild.
- Update on change. When carrier practice, statutory deadlines, or measurement standards (UL 2218, FM 4473, ASTM D3161) change, we revise — and revise the last updated date so you know.
How we source numbers
Statistics in our guides — denial rates, appraisal recovery percentages, deductible ranges, settlement averages — link back to the source on first reference. Where a number comes from a private dataset (a public adjuster's case history, a roofing firm's supplement file), we say so. Where the number is contested, we flag the range and link the dispute.
Corrections
If you spot a factual error, a stale citation, or a step that no longer reflects how a specific carrier or state handles claims, email nocodetalks@gmail.com. We log every correction and re-issue the dateModified for the affected guide.
Who writes this
The guides are written by the Hail Claim Editorial team with review from working public adjusters and property-claims attorneys. Bylines and credentials live on the author page.
Contact
Questions, corrections, or a tip about a carrier practice we should write about? Email nocodetalks@gmail.com.