The recent hail storm left many homeowners across our area dealing with inspections, claims, estimates, and repair decisions.
Over the past several weeks, our team has spent countless hours helping clients navigate the process. While every claim is unique, many of the same questions continue to come up.
According to the Insurance Information Institute, wind and hail damage continue to be among the most common causes of homeowners insurance claims in the United States.
If you’ve recently filed a hail damage claim or are still evaluating storm damage to your home, you’re not alone. Here are the answers to some of the most common questions we’re hearing from homeowners following the recent storm.
1. Should I Get a Roof Inspection Even If I’ve Already Filed a Claim?
Yes.
Many homeowners have already had an insurance adjuster inspect their property, but it’s still important to have a reputable contractor evaluate the damage as well.
Contractors and adjusters often notice different things, and additional damage may not become apparent until repairs begin. Having a trusted professional inspect your roof and exterior can help ensure all covered damage is properly identified.
2. Why Is My Contractor’s Estimate Different Than the Insurance Company’s Estimate?
This is one of the most common questions we receive.
In many cases, the insurance estimate represents the damage visible during the initial inspection. Contractors may identify additional covered damage during the repair process that wasn’t apparent at first.
When this happens, the contractor can submit documentation to the insurance company for review. This process is called a supplement, and it’s a normal part of many storm-related claims.
A difference between estimates doesn’t necessarily mean anyone is wrong—it often means more information became available as the project moved forward.
3. What Is a Supplement?
A supplement is a request for additional claim payment when covered damage is discovered after the initial estimate is completed.
For example, once roofing materials are removed, hidden damage to decking, flashing, or other components may be found.
When properly documented, contractors can work with the insurance company to review these additional damages and determine whether they are covered under the policy.
Supplements are common after major hail events and are often part of the normal repair process.
4. Why Is It Taking So Long to Get Repairs Scheduled?
After a widespread storm, demand for contractors increases dramatically.
Many roofing, siding, gutter, and window companies are managing hundreds of inspections and repair requests at the same time. Material availability can also impact project timelines.
While waiting can be frustrating, delays are common after significant weather events.
The best approach is to stay in communication with your contractor and understand that quality contractors are often booked well in advance after a major storm.
5. Can I Choose My Own Contractor?
Absolutely.
Homeowners have the right to select the contractor they want to perform repairs.
While your insurance company may provide recommendations or preferred vendors, the final decision belongs to you.
Before signing any agreement, consider:
- Checking references and reviews
- Confirming licensing and insurance
- Reading contracts carefully
- Asking questions about timelines and warranties
The Missouri Attorney General’s Consumer Protection Division offers guidance on avoiding contractor scams and high-pressure sales tactics after storms.
Many homeowners find comfort in working with established local contractors who will still be available long after repairs are completed.
6. What Should I Do If Additional Damage Is Found?
Notify your contractor and allow them to document the damage.
In many situations, the contractor can work directly with the insurance company to provide photos, measurements, and supporting information.
Avoid paying out-of-pocket for newly discovered storm damage before discussing it with your contractor and insurance company.
Additional covered damage is not uncommon after repairs begin.
7. Who Should I Call If I Have Questions About My Claim?
Start with your insurance company or claims representative for questions related to claim decisions, payments, or coverage determinations.
However, don’t forget that your independent insurance agent is also a resource throughout the process.
While we don’t make claim decisions, we can help explain policy language, discuss next steps, and point you in the right direction when questions arise.
We’re Here to Help
The claims process can feel overwhelming, especially after a storm that impacts so many families at once.
As our community continues to recover, our team remains committed to helping clients understand their coverage, navigate the process, and get the answers they need.
If you have questions about your claim or your insurance coverage, we’re only a phone call away.