What is the wind and hail claims process?
What to expect when you file a claim
Here are the steps when you file a wind and hail or other vendor-inspected claims. View the Claims Journey Roadmap for more details.
File your claim
Unless an inspection has been waived, you will be contacted to schedule an on-site inspection with one of our inspection vendors within 24-72 hours of submitting your claim.file a claim
Schedule a photo inspection
An inspection vendor will take photos of the damage to your property, gathering relevant damage information and then send it to a claims adjuster for review.
After the inspection, an adjuster will be assigned
The adjuster will contact you to introduce themselves, discuss your claim and explain what happens next.
The adjuster will review the photo package inspection materials and then call you to discuss the inspection and the claim process. The adjuster will make a coverage determination. If the loss is covered by your policy, the adjuster will evaluate the damage and prepare an estimate.
Wrap up claim
If covered damages exceed your deductible, the adjuster will discuss payment options with you. You can view your claim documents in MyClaim.
Wind and hail claims FAQs
Where temporary or emergency repairs are needed to protect the property from further damage before an on-site inspection occurs, there may be a repair vendor from the Allstate Good Hands® Repair Network who can assist. If using your own contactor, please document all of the damage thoroughly with photos and videos before making temporary repairs and save the receipts. Do not make permanent repairs prior to your adjuster reviewing the inspection information.
IMPORTANT: In order to receive a coverage extension, inspection must happen and be documented before you begin any repairs that you want covered.
It can be difficult to find a contractor after a large weather event. We have a list of qualified vendors that work directly with Allstate to make claim repairs or provide emergency services. They also provide a three-year warranty on their labor. Your adjuster can determine whether one of our warrantied vendors is available in your area.
If additional damage is found during repairs, we will need an estimate or photos of the damages identified:
- Contact your adjuster; send them a message using MyClaim or email the claims department directly at email@example.com (include your claim number in the subject line).
- Ask your adjuster for a link to submit photos of the additional or missed damages.
- Have your contractor send an estimate for the additional damage identified.
- If any of information cannot be provided, the adjuster will let you know if the damage needs to be re-inspected or if you are able to continue repairs, including repairs for the additional damage discovered.