your wind and hail claim journey

What to expect throughout your claim.

What is the wind and hail claims process?

Some claims require an inspection due to the severity of damages, but other claims can have the inspection waived if the damage is minimal. For most wind and hail claims, a vendor inspection will be the method of inspecting your property to review, document and photograph all of the damage. Once the inspection materials are provided to Allstate, your adjuster will then assess the information and contact you to discuss your claim.

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.

1. 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

2. 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.

3. After the inspection, an adjuster will be assigned

The adjuster will contact you to introduce themselves, discuss your claim and explain what happens next.

4. Evaluate damages

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.

5. 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

Visit MyClaim at any time to check the status of your claim, upload and view documents, set your contact preferences and more.

If there is interior damage, you will need to be present during the interior inspection. You are welcome to be present for exterior inspections, but it is not required. If you have a contractor, it is recommended they be present for both interior and exterior inspections.

This varies based on the type of storm that caused the damage. With most exterior storm damages, we typically check other external areas around the home apart from areas specifically claimed. This allows the adjuster to gather supporting information about what the storm did in your area. This can include gutters, siding, downspouts, fences, windows and other areas that may have been exposed to weather conditions.

These are Allstate approved vendors who perform on-site inspections. Their role is to collect and document relevant claim information and provide it to the adjuster.

This varies depending on the severity of the damages, access to property, safety concerns, evacuation orders, etc. On average, once the dedicated service provider inspection vendor inspects and photographs the damage, and the adjuster has contacted you to introduce themselves, the adjuster can evaluate the claim within 48 hours of introducing themselves to you.

he on-site inspection, an adjuster will be assigned to your claim. The adjuster will contact you to introduce themselves and discuss the claim with you. They will then take the inspection information provided and evaluate the coverage and damages based on your policy. If you have a contractor, they will be included in the discussions. The adjuster will be the point of contact throughout the claim handling process.

We have multiple digital payment options available, including Quick Card Pay, where you can receive claim payments in 24 hours or less. You’ll find more information about payment options and can set payment preferences on the Claim Payments page.

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 you don’t want to use one of our warrantied vendors, visit the Better Business Bureau to see local contractors and their ratings. Check out our tips for hiring a home repair contractor.

If additional damage is found during repairs, we will need an estimate or photos of the damages identified:

  1. Contact your adjuster; send them a message using MyClaim or email the claims department directly at claims@claims.allstate.com (include your claim number in the subject line).
  2. Ask your adjuster for a link to submit photos of the additional or missed damages.
  3. Have your contractor send an estimate for the additional damage identified.
  4. 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.

Have more questions about your claim?

Visit our claims support page for answers to common questions about the claims filing process.

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