Hail and storm damage claims
The insurance company handles a thousand hail claims a year. You get one.
A hail claim is usually five figures, and the outcome turns on things nobody tells you: what you photograph before the tarp goes on, what your policy means by actual cash value, which line items quietly fall off the estimate, and what a roofer's "we'll handle your deductible" actually is. This site explains all of it, free, and sells one printable playbook that puts the whole system in your hands.
Document before you cover
Your policy requires you to prevent further damage, but the photos you take before the tarp goes on are the spine of the claim. The order of operations matters more than speed.
The estimate is negotiable
First offers routinely miss line items: underlayment, drip edge, code upgrades, debris removal. Supplements exist because insurers expect you to ask. Most people never do.
Sign nothing the first week
The clipboard at your door after a storm is not there to help you. Assignment-of-benefits forms and deductible games can cost you control of your own claim.
The printable Playbook
Everything on this site is free to read. The Playbook is the working document: the checklists, the policy decoder, the adjuster-day script, the supplement and depreciation letters, and the escalation ladder, in one PDF you can print and put on the kitchen counter for the length of the claim. $29, once.
See what is in the Playbook