Hail Damage Claims

We’ll Be There When You Need Us

Your property insurance policy typically covers the cost to repair common hail damage to your roof, siding and personal belongings. You may have a higher deductible for wind and hail damage on your primary property policy than you do for other types of claims. Check your policy to see what’s covered and the deductible you’ve chosen. Your local Safeco agent can go over your policy details with you.

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What to Do After a Hailstorm

During a hailstorm, windows may break and high winds can knock down trees and power lines. If the hail is big enough, it can cause shingle damage to the roof of your home. It can also damage the roof and hood of your car and maybe even crack your windshield. If you’ve just been through a hailstorm, be careful and follow these tips:

1. Be Safe

Make Personal Safety Your First Priority

  • Watch out for broken glass, sharp objects and exposed electrical wires.
  • Wear proper shoes and gloves.
  • Don’t use rain-soaked electrical equipment.

Drive with Extreme Caution

  • Watch out for downed trees, power lines and debris.

2. Call Us


When it’s safe to do so, call us as soon as you can.

Be prepared to provide at least a general description of your hail damage.

Take photographs and videos of the hail damage if you can. It’s a great way to help us understand what happened and expedite the claims process.

3. Safeguard Your Home and Your Car

Prevent Further Damage
A hailstorm may be accompanied by heavy rain and wind. The longer your home is exposed to water, the more damage you’ll see to your roof, ceiling, walls and floors, as well as any personal belongings you have inside.

Hail Damage to Your House

  • Clean up any broken glass and remove debris.
  • Board up broken windows and doors.
  • Cover roof damage with tarps or plywood.
  • Move any wet items to a dry location.
  • If possible, place any damaged items in a safe, secure area where they can be inspected later.
  • Save all receipts from any temporary repairs.

Hail Damage to Your Car

  • Cover any broken car windows with tarps or plastic sheeting.
  • Move any wet items to a dry place.
  • If possible, place any damaged items in a safe, secure area where they can be inspected at a later time.

4. Repair Your Home and Car

Get Your House Repaired

Please wait until a claims adjustor assesses the hail damage to your home before starting permanent repairs. We encourage you, however, to schedule permanent repairs as soon as possible. Find a local, licensed, bonded and insured contractor through our free Safeco Contractor Referral service.

Get Your Car Fixed

For hail damage to the body or your car, see Car Repairs and Damage Estimates.
For hail damage to your windshield or other car windows, see Car Repairs and Damage Estimates.

Home Improvements
To Upgrade or Not to Upgrade

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 the damaged area with fiberglass, but we won’t pay to replace it with more expensive slate tile. If you decide to upgrade your house with better or more expensive materials, you’re welcome to do so, but you’ll need to pay the additional expense out of your own pocket.

Any time you make improvements to your property, be sure to talk to your local Safeco agent to find out if your coverage is still enough, and if you’re eligible for any discounts.

Download a printable version of this information.



© 2017 Liberty Mutual Insurance, 175 Berkeley Street, Boston, Massachusetts, 02116

Insurance is offered by Safeco Insurance Company of America and/or its affiliates, with their principal place of business at 175 Berkeley Street, Boston, Massachusetts, 02116. This website provides a simplified description of coverage. Nothing stated herein creates a contract. All statements made are subject to the provisions, exclusions, conditions and limitations of the applicable insurance policy. Please refer to actual policy forms for complete details regarding the coverage discussed. If the information in these materials conflicts with the policy language that it describes, the policy language prevails. Coverages and features not available in all states. Eligibility is subject to meeting applicable underwriting criteria.