A complete homeowner guide — from the moment the storm clears to getting your roof replaced.
Kansas ranks among the top states in the nation for hail frequency. Wichita and surrounding communities like Derby, Andover, Haysville, and Maize see multiple significant hail events every year. When a storm hits, knowing exactly what to do can be the difference between a fully covered insurance claim and paying thousands out of pocket.
Wait until the storm has fully passed and weather has cleared. Wet roofs are extremely slippery, and hail can weaken structural components. Leave the roof inspection to a licensed professional.
Walk around your home and photograph everything you can see from the ground — dented gutters, damaged window screens, dents on AC units, and damaged siding or fencing. These are critical evidence for your insurance claim and they are easy to photograph without climbing.
Before you call your insurance company, get a professional roof inspection. A licensed contractor like Roof Dr can identify damage that adjusters commonly overlook — granule loss patterns, bruised shingles, damaged flashing, and compromised underlayment. Call us at (316) 397-0122 for a free inspection.
Contact your homeowner insurance company to open a hail damage claim. Have your policy number ready and the approximate date and time of the storm. Most Kansas policies require claims to be filed within one year of the storm event — do not wait.
This is the most important step most homeowners miss. Insurance adjusters are not always thorough — they may miss hidden damage or undervalue the claim. Roof Dr attends adjuster meetings at no charge to advocate for you and make sure every bit of damage is documented.
Once your claim is approved, your contractor schedules the replacement. Most Wichita homeowners pay only their deductible. Roof Dr handles all coordination with your insurance company through completion.
Hail damage is not always obvious. Here is what to look for:
Hail as small as 3/4 inch (marble-sized) can damage standard asphalt shingles, especially on older roofs. Hail 1 inch or larger (quarter-sized) almost always causes insurable damage regardless of roof age. Kansas averages some of the highest hail frequency in the United States, with Wichita sitting in the heart of "Hail Alley."
In most cases, yes. If your roof has sustained significant hail damage, your homeowner policy will cover the replacement cost minus your deductible. The key is proper documentation and having an experienced contractor advocate for you during the claims process. Most of our Wichita customers pay only their deductible — typically $1,000 to $2,500.
Most Kansas homeowner insurance policies allow one year from the date of the storm to file a claim. However, filing as soon as possible is always recommended. The longer you wait, the harder it becomes to prove the damage was storm-related.
Call Roof Dr for a free inspection. We respond within 24 hours, attend your adjuster meeting, and handle the entire process.
📞 Call (316) 397-0122 Request Inspection OnlineLook for dented gutters, broken window screens, and damage to your AC unit at ground level. On the roof, hail damage appears as dark circular spots where granules have been knocked off shingles. Call Roof Dr at (316) 397-0122 for a free inspection.
Most Kansas homeowner insurance policies allow 1 year from the date of the storm to file a claim. Filing as soon as possible is strongly recommended.
In most cases yes. If your roof has sustained significant hail damage, your homeowner policy will typically cover the full replacement cost minus your deductible.
Hail as small as 3/4 inch (marble-sized) can damage standard asphalt shingles. Hail 1 inch or larger almost always causes insurable damage. Kansas is one of the highest hail-frequency states in the US.
No. Roofs can be slippery after storms and structural integrity may be compromised. Call a licensed roofing contractor like Roof Dr to perform the inspection safely.
With insurance, most Wichita homeowners pay only their deductible — typically $1,000 to $2,500. Without insurance, full roof replacements range from $8,000 to $18,000 depending on size and materials.