HAIL CLAIM
THE HAIL CLAIM LIBRARY

Every step of a claim,
clearly explained.

A growing library of homeowner-first guides covering every stage of the
hail claim process — from first inspection to final settlement.

9 guides • Updated monthly • Written by claims professionals
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The essential first read

Seven-step playbook flow diagram next to a denial letter stamped DENIED, showing the order a homeowner takes to reverse a hail insurance denial.
Guide 01 Playbook • 16 min read

Hail Damage Insurance Claim Denied? 7-Step Playbook

37% of property insurance claims got denied or underpaid in 2024. The full playbook a working public adjuster runs to reverse a hail denial.

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FULL LIBRARY

All guides

Step-by-step walkthroughs on every
phase of the hail claim process.

Clipboard checklist with green checkmarks beside a stylized DSLR camera, illustrating the 14 evidence shots a homeowner captures before the adjuster inspection.
02 Documentation

The Evidence Checklist

14 phone shots, chalked 10x10 test squares on 4 slopes, NOAA hail-swath, attic photos, soft metals — the file every adjuster respects.

13 min read Read
Magnifying glass hovering over a CLUE report document showing rows of claim history entries, illustrating the pre-file CLUE pull process.
03 Before You File

Pull Your CLUE Report First

Your CLUE report shows every claim and inquiry for 7 years. Pull it free before you file — and learn the 3-claim non-renewal rule.

13 min read Read
Hailstone illustrated against a one-inch reference scale with the UL 2218 Class 4 rating threshold called out alongside.
04 Denials

Dispute the Sub-1in Hail Denial

UL 2218 Class 4 shingles are rated for hail up to 2 inches. The 4-step playbook to dispute a 'hail wasn't big enough' denial letter.

11 min read Read
Residential house with chalked roof inspection grid lines beside a denied claim file with a red badge, illustrating the State Farm denial reversal flow.
05 Carrier — State Farm

State Farm Denial Reversal

State Farm needs 4-5 hail hits per 10x10 test square plus full Xactimate documentation. The 4-step playbook to reverse a State Farm denial.

12 min read Read
Six-rung escalation ladder rising from field adjuster denial up to a state Department of Insurance complaint, color-coded from warning red to success green.
06 Carrier — Allstate

Allstate Denial Reversal

25% of Allstate denial complaints at state DOIs get paid $1,500 to $26,000. The 7-step playbook homeowners use to reverse an Allstate denial.

12 min read Read
Two-bar comparison chart contrasting a $37K insurance Xactimate estimate against a $61K contractor estimate with a $24K gap labeled in red.
07 Estimates

Audit the Xactimate Gap

Same Xactimate software, $37K insurance vs $61K roofer. Audit the gap line-by-line: O&P, soft metals, code upgrades, detach-and-reset.

11 min read Read
Stylized scale of justice weighing a Lowball settlement pan against an Award pan, captioned Appraisal Clause.
08 Escalation

Invoke the Appraisal Clause

Public adjusters report 30% to 3,800% recovery gains at appraisal on lowball hail settlements. The 5-step demand-letter-to-binding-award playbook.

13 min read Read
Eight-question vetting checklist rendered as a card next to a stylized roofer's ladder leaning against a roof edge.
09 Contractors

Hire an Honest Roofer

8 questions to ask before you sign: license, bond, supplements, commission, deductible, scope, reviews, door-knocker. Spot a storm chaser first.

11 min read Read
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