Hail Damage

If you have experienced hail damage, take precautions by following the tips below, and call us at 800-332-3226 to file a claim as soon as possible.

Tips for Immediate Action

• Make personal safety your first priority. Remember, windows may be broken and high winds may have knocked down trees and power lines.
• Look for broken glass, sharp objects and live wires.
• Wear proper shoes and gloves.
• Don’t use rain-soaked electrical equipment.

Report Your Claim

Call 800-332-3226 to file a claim if you have damage from a hailstorm. Provide at least a general description of your damage. A representative will walk you through your claim, recording the details.

Make Temporary Repairs

If you have hail damage to the roof of your property or your car, you are responsible for taking action to avoid further damage.

If you can, cover broken windows and holes in roofs with tarps or plywood to prevent water damage. Move wet items to drier ground, and wash and dry whatever you can. If you aren't sure what temporary repairs are necessary to ensure safety, professionals can help. You’ll usually find them listed under "Contractors" or "Water damage restoration" in your phone directory. Check their references and credentials. As part of documenting the damage, save all receipts from any temporary fixes.

Review Your Insurance Policy

Your insurance policy typically covers the cost to repair common hail damage—including damage to roofs, walls and cars, and your personal belongings. Your deductible applies—and you may have a higher deductible for wind/hail damage on your policy than for other types of claims. Check your policy to see what’s covered and the deductible you’ve chosen. Review your policy to help you prepare questions for your claims representative.

Document Your Damage

As soon as you can, make a thorough list of items that the hail storm damaged. This information will help us process your claim faster. Document the damage with photos, video, bills and receipts. Also, don’t throw out damaged items—especially expensive items.

Your claims representative will describe the specific information we need to process your claim.

Schedule Permanent Repairs

Safeco requires you to wait until our claims representative assesses your damage before you begin making permanent repairs. We encourage you, however, to schedule permanent repairs as soon as possible because contractors can be difficult to schedule after a storm. Use a local, licensed, bonded and insured contractor—and always check references.

Safeco has partnered with Innovation Property Network to offer a free contractor referral service for roof, siding and gutters to our policyholders in most locations nationwide.

How it Works

1. Contact Safeco at 1-800-332-3226 to report the damage to your property.
2. A Safeco representative will inspect your damages and prepare an estimate of the repairs for you.
3. If you do not have a contractor in mind and would like to have a network contractor referral, your Safeco representative will contact Innovation Property Network.
4. Innovation Property Network will contact you within one hour to offer you a selection of available contractors in your area. If you have filed a claim, you can contact Innovation Property Network directly for assistance at 1-866-710-3112.
5. You authorize the contractor to begin work.
6. You pay your deductible to the contractor.
7. You authorize payment directly to the contractor when repairs are completed, and you are completely satisfied.
8. You relax in your beautifully repaired home.

Please note: If you are not filing a claim, you can still access Innovation Property Network services at 1-866-710-3112.

Benefits

• Convenience - Innovation Property Network will manage the entire repair - start to finish - so you don’t have to.
• Peace of mind - All contractors pass background checks and are experienced, certified, licensed, insured and bonded.
• Quality - Innovation Property Network is committed to customer satisfaction, and adheres to Safeco’s estimating guidelines.
• Price - There’s no cost to customers for the referral. Contractors work with Safeco representatives to reach an agreed-upon estimate for the repairs.
• Speed - Innovation Property Network is committed to contacting you the same day and arranging to have a contractor inspect your home within 48 hours. In addition, they are committed to restoring your home as quickly as possible while accommodating your schedule.
• Guarantees - All Innovation Property Network contractors will provide a five year warranty on workmanship and labor for all replacements, and a three year warranty on repairs - all of which is backed by Innovation Property Network. Safeco monitors customer satisfaction of all contractors to provide you with the best choice of service providers.

To learn more, you can review the program brochure.

Understand Your Responsibility

Safeco will replace damaged items and materials with the same type and quality of materials you had before the hailstorm. For example, if you had a fiberglass roof, we will pay to repair or replace damage with fiberglass materials—but we won’t pay to replace it with more expensive slate tile.

If damage is extensive, people sometimes decide to take the opportunity to upgrade their property with better or more expensive materials. Safeco will pay only to replace materials of comparable kind and quality. If you want to pay the additional expense to upgrade, you’re welcome to do so out of your personal budget.

Any time you make improvements to your property, talk to your local Safeco agent to make sure you have enough insurance and to find out if you are eligible for discounts.

Download a printable version of this information.