---
title: Hail Damage: What You Need to Know Before Filing a Claim
---

# Hail Damage: What You Need to Know Before Filing a Claim

* * *

## Hail Damage: What You Need to Know Before Filing a Claim

- Posted on Tuesday, September 16, 2025

In today’s climate, it’s important to be aware of predatory companies that follow storms and encourage homeowners to file insurance claims for hail damage—even when there may be no legitimate damage. At Rathbun Insurance, we want to ensure you’re equipped with the knowledge to make informed decisions.

Insurance carriers are very well-studied in hail damage and its impacts. They understand how hail behaves and what true damage looks like. This means they are prepared to fairly handle legitimate claims—but they are also cautious when claims come from areas without visible evidence.

## How to Check for Real Hail Damage

After a storm, here are a few simple things you can check before considering filing a claim:

1. **Look for soft metal damage** – If the hail was large or strong enough to damage your roof, you should also see visible dents on soft metal surfaces such as your mailbox, downspouts, deck railing, or air conditioning unit.

2. **Check multiple areas** – Consistent damage across outdoor fixtures is a good indicator of true hail impact. If only your roof is being singled out by a company urging you to file, that should raise a red flag.

3. **Trust your instincts** – If you’re unsure whether the damage is real, don’t feel pressured. You can draw some conclusions on your own or, better yet, contact your Rathbun Insurance account manager to talk it through.

## Protect Yourself from Storm Chasers

Storm-chasing companies may use high-pressure tactics to convince you to file a claim unnecessarily. Remember: filing a claim when there isn’t legitimate damage could not only waste your time, but also impact your future premiums.

At Rathbun Insurance, our priority is protecting you and ensuring your coverage is there when you truly need it. If you’re ever in doubt after a storm, call your Rathbun account manager first. We’re here to guide you through the process, answer your questions, and help you determine the best next step.

## Insurance Proposal

Give us some info and we'll help you find the best coverage options.

[Get Started](/insurance-proposal)

**Request your insurance proposal online or contact our office to find out how we can help you find a policy that fits your needs.**

[Get Started](/insurance-proposal)

[Contact Us](/contact)

```json
{"@context":"https://schema.org","@graph":[{"@type":"BlogPosting","@id":"https://www.rathbuninsurance.com/blog/2025/hail-damage-what-you-need-to-know-before-filing-a-claim#blogposting","url":"https://www.rathbuninsurance.com/blog/2025/hail-damage-what-you-need-to-know-before-filing-a-claim","mainEntityOfPage":{"@type":"WebPage","@id":"https://www.rathbuninsurance.com/blog/2025/hail-damage-what-you-need-to-know-before-filing-a-claim#webpage"},"headline":"Hail Damage: What You Need to Know Before Filing a Claim","datePublished":"2025-09-16T20:04:00Z","dateModified":"2025-10-07T18:44:52Z","author":{"@type":"Organization","@id":"https://www.rathbuninsurance.com/#organization","name":"Rathbun Insurance"},"publisher":{"@type":"Organization","@id":"https://www.rathbuninsurance.com/#organization","name":"Rathbun Insurance"}},{"@type":"Organization","@id":"https://www.rathbuninsurance.com/#organization","url":"https://www.rathbuninsurance.com/","name":"Rathbun Insurance"},{"@type":"WebPage","@id":"https://www.rathbuninsurance.com/#webpage","url":"https://www.rathbuninsurance.com/","name":"Hail Damage: What You Need to Know Before Filing a Claim"},{"@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"item":{"@id":"/blog","name":"Blog"}},{"@type":"ListItem","position":2,"item":{"@id":"/blog/2025/hail-damage-what-you-need-to-know-before-filing-a-claim","name":"Hail Damage: What You Need to Know Before Filing a Claim"}}]}]}
```