Northstar Public Adjusting
Hail Damage Claims

Hail damage looks small. The cost is not.

Insurance companies routinely classify hail damage as 'cosmetic only' to avoid full replacement claims. We know exactly how to document and prove replacement-threshold damage.

Get Free Inspection (972) 904-6137

What hail damage claims look like

  • Granule loss from asphalt shingles
  • Bruised or cracked shingle substrate
  • Dented metal flashing, gutters, and vents
  • Broken or cracked skylights
  • Damaged siding, window screens, and AC units
  • Impact marks on wood fascia and soffits

What insurers routinely undervalue

  • Claiming damage is cosmetic when it is structurally significant
  • Failing to document all affected surfaces and materials
  • Using ACV (actual cash value) instead of replacement cost coverage
  • Missing satellite, HVAC, and ancillary structure damage
  • Not accounting for matching code requirements
Local Context

Where We Work

Our service areas see severe hail events on a regular basis, with insurers who regularly undervalue hail claims regardless of market.

Hail Damage Claims — FAQ