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Hail Damage Insurance Claims
Hail damage to your roof, siding or AC called cosmetic? Call us before you accept it.
Our licensed public adjusters handle claims for homes and businesses.
Stuart Hymson
Public Adjuster
Michael Zebold
Public Adjuster
Micaela Villa
Public Adjuster
Alex Barquero
Public Adjuster
Arthur Camayd
Public Adjuster
Tony Azcue
Public Adjuster
Frank Nunez
Public Adjuster
Hail claim denied or underpaid?
Hail damage is easy to miss and easy to deny. Bruised shingles, dented vents and cracked siding don’t look like much from the ground, and insurers call them cosmetic or old.
Our licensed public adjusters inspect in person whenever the claim needs it, document the damage to the roof, siding, gutters, windows and AC units, and build the claim for the repairs the hail really caused. The first review is free.
Sound familiar?
- They called it cosmetic damage.
- They said the hail damage was already there.
- They'll replace a few shingles, not the roof.
- The new siding won't match the old.
- They said the roof is too old.
None of these has to be the final answer. Call us before you accept it.
What the insurance company says about hail damage
Hail claims are often denied on a single word. Here’s how we answer them.
“It's only cosmetic.”
Some policies exclude cosmetic hail damage, and insurers stretch the word. A bruise that cracks the shingle mat, or a dent that breaks a seal, is not cosmetic. We document the hits that affect how the roof and siding work, and check what your policy actually says.
“That hail damage was already there.”
Fresh hail hits look different from old ones: exposed mat, sharp edges and bright metal where paint was knocked off. We document them soon after the storm and tie them to it.
“We'll replace the damaged shingles only.”
Hail rarely hits one spot. When every slope is damaged, or replacement shingles won’t match, a repair can’t put the roof back the way it was. We build the claim for what the roof actually needs.
“Your roof was at the end of its life.”
An older roof can still have hail damage, and the storm caused it. Some policies pay less on an older roof, so we check how yours values it and make sure the damage is paid.
Fighting for the policyholder
Blueprint Claims has settled over half a billion dollars in commercial and residential claims with 15 years in business. Don’t settle for less, get the money you deserve. Fight for your claim!
Private Equity Firm
Apartment complex
Wellington, FL Homeowner
Insurance offered $4,035
Littleton, CO Homeowner
Insurance offered $23,002
Property Management
Condominium community
Is hail damage covered by homeowners insurance?
Usually, yes. Hail is a covered cause of loss on most homeowners policies, including damage to the roof, siding, windows, gutters, outdoor AC units and other structures. Some policies carry a separate wind and hail deductible, and some exclude damage they call cosmetic, so the wording of your policy matters.
The fight is over how much damage the hail did. We inspect every surface it could have hit and document each one before repairs or the next storm cover it up.
Roof
Siding and gutters
AC units and windows
How to tell if your roof has hail damage
Start on the ground. Look for dents in gutters, vents, downspouts and AC fins, dings in siding, and shingle granules piling up where the downspouts drain. On the roof, hail leaves dark spots where granules were knocked off and soft bruises in the shingle. Don’t climb up to check.
Hail damage is hard to see and easy to argue about, so get it documented early. Call us for a free review of the damage.
Gutters and vents
Granules
Bruised shingles
The contractor's edge
Arthur Camayd, partner, is a licensed public adjuster with the SPPA designation, a licensed general contractor, and holds a degree in architecture.
We know how buildings are designed, how they are built, and how to spot the damage most people miss. On complex claims like fires with structural damage or hidden issues, that construction insight and policy knowledge lets us build a stronger claim and challenge a low offer with real authority.
Licensed general contractor
Degree in architecture
SPPA public adjuster
We don’t just estimate. We advocate.
How we handle your claim
Four steps, from the first call to the settlement check.
Free claim consultation
Tell us about your claim. We’re here to help.
Free property inspection
Leaving no stone unturned, we focus on the details.
We estimate & appraise
Don’t worry about having to gather various repair bids on your own.
We negotiate & settle
We don’t get paid unless you get paid.
What to know about a hail damage claim
Waiting to see what the insurance company does is how good claims run out of time.
One word can cost you a roof
Insurers call hail damage cosmetic to avoid paying for a roof. That word in a letter is their opinion, not the final answer. Call us before you accept it.
A denial isn't the last word
Insurance companies often deny claims as wear and tear, old damage or not covered. That letter is their side of the story, not the final word. The right proof can change it, but the window to act is short. Call us before you take no for an answer.
New storms blur old damage
Hail damage left alone gets harder to prove as the roof weathers and the next storm hits. Call us now, while the damage is fresh and the claim is clear.
Don’t wait to see what they do. Call today and let a licensed public adjuster review your options while you still have them. Your policy review is free.
Other claims we handle
General information, not legal advice.
Why hire your own public adjuster?
Every claim already has an adjuster. The insurance company’s adjuster works for the insurance company. A public adjuster works for you.
A guide through the entire claim process.
Help you understand your rights under the policy.
Navigating through policy endorsements and exclusions.
Document your damages in detail.
Estimating & valuing the TRUE cost of your loss.
Collaboration with experts to support your claim.
Negotiating & settling your claim.
Working with contractors to get you back to pre-loss condition.
Hiring your own adjuster pays for itself.
Meet the adjusters
“Our adjusters know how buildings are built, how policies are written, and how to get a claim to the finish line.”
Michael Zebold, SPPA
Firm Partner
Michael Zebold
Senior Public Adjuster
Arthur Camayd
Senior Public Adjuster
Tony Azcue
Public Adjuster
Frank Nunez
Senior Public Adjuster
See what our clients are saying
“Frank Nunez was extremely helpful in getting my claim overturned from a complete denial to a fully paid for roof.”
Ben Justice
“Frank worked for us, not the insurance company, and kept us informed along the way, which was also very helpful.”
Tom Maides
“Blueprint Claims did an excellent job. They are the ultimate professionals. After my initial meeting with Alex, he took care of everything.”
D K
“Impeccable work and very effective, from first inspection review to the last step”
Margarita Gomez
Questions about hail damage claims
Answers to the questions homeowners ask us most about hail.
My insurer called the hail damage cosmetic. Is that a valid reason to deny?
Not always. Insurers stretch the word, and a hit that cracks the shingle mat or breaks a seal isn't cosmetic. We read your policy and document the damage that counts. Call us before you accept it.
Does the insurer have to match my shingles or siding?
It depends on your policy and your state. When new materials won't match what's left, a patch can leave the house looking repaired, not restored, and the claim often should cover more. We check your policy and document the mismatch. Call us for a free review.
My roof is old. Will they still pay for hail damage?
Often, yes, for the damage the hail did. Age doesn't cancel storm damage, though insurers point to it first. Some policies pay less on an older roof, so we check how yours values it. Call us for a free review.
Hail dented my AC unit. Is that covered?
Often, yes. An outdoor AC unit is usually covered with the house. Hail can crush the coil fins and hurt how well the unit runs. We include it in the claim. Call us for a free review.
Is there a deadline for a hail claim?
Yes, and it's shorter than most people think. Policies require prompt notice, and deadlines vary by policy and state. Hail damage also gets harder to prove with time. Call us as soon as you find it.
How much does a public adjuster charge?
You pay nothing upfront, and if we don't recover money, you owe us nothing. Our fee is a percentage of what we recover for you, set in writing before you sign, and never more than your state's law allows. Call, and we'll walk you through how it works on your claim.
Should I call my insurance company or a public adjuster first?
Call us before you call them. What you say on that first call can hurt your claim, and most policyholders don't know which words give the insurance company a reason to pay less or deny. We'll help you report it the right way, so call as soon as you find the damage.
My insurer already paid, but not enough. Is it too late to hire you?
You can hire us before you file, in the middle of a claim, or after the insurer pays too little. Many of the nearly 7,000 claims we've handled started just like yours. Don't sit on a low check, though: the deadlines to ask for more keep running. Call us now, while you still have time.
Call and a licensed adjuster will go over your claim with you. The review is free.
Connect with one of our licensed adjusters for a free claim consultation
What happens after you send this
A licensed adjuster contacts you We talk through your claim and answer your questions. The consultation is free.
We review your policy and inspect the damage Also free, with no obligation to hire us.
You decide whether to hire us If you do, we build the claim and negotiate with the insurer.
Let's discuss your claim!
We don’t get paid unless you get paid.
