When a hailstorm hits, the damage isn’t always visible right away—but even small hail can cause big problems over time. From compromised shingles to cracked skylights or dented gutters, storm damage can quietly wreak havoc on your home’s structure if left unchecked. That’s why it’s essential to take prompt and informed action.
Below are the critical steps to take after a hailstorm and how to choose a reliable contractor to help you navigate the repair process ethically, legally, and with peace of mind.
Step 1: Document the Damage Immediately
After it’s safe to go outside, do a visual inspection of your property. Take clear, timestamped photos of any damage you notice—missing or bruised shingles, dents on metal surfaces, broken windows, or debris around your property. Even if you don’t see anything obvious, don’t assume your roof escaped unscathed. Hail damage can be subtle and worsen over time.
Step 2: Contact a Licensed Public Adjuster
Before calling your insurance company or signing with a contractor, consider speaking with a licensed public adjuster (like myself). A public adjuster works on your behalf—not the insurance company’s—to make sure the full scope of damage is accounted for and fairly valued.
Many homeowners unknowingly undercut themselves by rushing into repairs before understanding what their policy covers or what the damage really entails. An adjuster can help you file your claim correctly, advocate during the inspection, and ensure your settlement reflects your actual loss.
Step 3: Don’t Sign Anything Until You’re Informed
Some contractors will pressure homeowners into signing contracts or “agreements to work” immediately after a storm, sometimes under the guise of a free inspection. Be cautious. You have the right to understand your options fully before committing to any work or representation.
How to Choose a Reliable Contractor
Choosing the right contractor is just as important as filing your claim properly. Here are key tips and red flags to watch out for:
✅ Look For:
- Local & Established: Choose a contractor with a physical presence in your community—not just a P.O. box or out-of-state number.
- Licensed & Insured: Ask to see proof of their general liability insurance and worker’s comp coverage.
- Experience with Insurance Claims: Contractors should understand how to work within the scope of your insurance policy.
- Warranty & References: Get a written warranty and ask for references from recent local jobs.
🚫 Be Wary Of:
- Storm Chasers: Out-of-town companies doing rushed work and disappearing after payment.
- High-Pressure Sales Tactics: Anyone who insists you sign “right now” or offers to “waive your deductible” is likely breaking the law.
- Lack of Transparency: If they can’t answer questions about their business or past work, that’s a red flag.
Legal & Ethical Compliance Matters
A reputable contractor should never act as your insurance adjuster or tell you to submit misleading information to your carrier. This is not only unethical—it’s illegal. Texas law prohibits contractors from negotiating claims on behalf of homeowners unless they are also licensed public adjusters. Be sure you’re working with professionals who respect these boundaries.
Why This Matters: Peace of Mind and Long-Term Protection
When it comes to storm damage repairs, you’re not just fixing what’s broken—you’re protecting your largest investment. Choosing the right contractor and getting an accurate claim evaluation upfront prevents future issues like denied supplemental claims, faulty repairs, or voided warranties.
Final Thought
After a storm, take a breath—then take action. As a licensed public adjuster, I help homeowners avoid the pitfalls of rushed decisions, confusing claims processes, and untrustworthy contractors. My goal is to ensure you’re protected, informed, and supported through every step of your recovery.
If you’re not sure where to start or need help reviewing your damage and next steps, I’m here to help.
Call Today for a Free Policy Review or Inspection Support
Let’s make sure your claim is handled correctly from the beginning. Reach out for a no-obligation consultation to learn your options before making a move.
Bridget Baldi
Licensed Public Insurance Adjuster
Your Trusted Claim Advocate
📞 210-722-6886
📧 bridgetbaldi@outlook.com
🌐 BBClaimManagement.com
Bridget Baldi - Public Adjuster 