When a hailstorm rolls through Madison or Limestone County, two things happen within 48 hours: insurance claim deadlines start ticking, and out-of-state 'storm chasers' show up at your door. Here's how to handle both correctly.
What hail damage looks like
- Circular black 'bruises' where granules are knocked off — the asphalt mat is exposed.
- Dented soft metals: gutters, downspouts, vents, AC fins, gas grills.
- Splatter marks on decks, fences, painted siding.
- Granules collected in gutters or at the bottom of downspouts.
Cracked or missing shingles are usually wind, not hail. Confirm storm size and date using NWS Huntsville storm reports (opens in new tab) or the Storm Prediction Center archive (opens in new tab).
How to document for insurance
- Photograph dented soft metals from the ground first — these are the obvious 'tell' adjusters look for.
- Save weather reports for your address and storm date.
- Don't climb the roof yourself. Hire a HAAG-certified inspector (opens in new tab) for a documented report.
- File the claim within your policy's window — typically 12 months in Alabama, but earlier is better.
Avoiding storm-chaser contractors
Red flags
Out-of-state license plates, door-to-door pressure, 'we'll cover your deductible' offers (illegal in Alabama), or a contract that assigns your insurance benefits. Always verify a license with the Alabama Home Builders Licensure Board (opens in new tab) and check our guide to finding a licensed Alabama roofer.
The claim and repair process
Once filed, your adjuster will inspect within 5–15 days. Have a licensed local roofer present — they catch damage adjusters miss. Read our full Alabama claim process walkthrough for what to expect. Editorial reference: Advanced Alabama's claim guide (opens in new tab).