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Roof Claims

Hail storm damage may lessen the life of your roof and cause leaks that impact your home's interiors. If you need to file a claim, State Farm® works with you throughout the insurance claim process.

Do I Have Hail Damage to My Roof?

A State Farm claim handler may assist in explaining the difference between normal wear and aging versus damage caused by a hail storm.

Common characteristics include:

  • Random damage
  • Impact marks
  • On wood roofs, splits with sharp edges

Evaluating Composition Roofing Brochure

Wood Roof Brochure

How Do I File a Roof Claim?

Report your claim as soon as possible.

Which Roofing Contractor Should I Choose?

  • It is your choice as to who you select and hire to provide an estimate or complete repairs to your property.
  • Select an established, licensed, or bonded roofer. (Not all jurisdictions require licensing of roofing contractors).
  • Get references as well as certificates of insurance (both liability and workers compensation), and verify they are active when your work is scheduled.
  • Ask your claim handler if your claim is eligible for the State Farm Premier Service Program and the Roofing Services Program. If eligible, your claim handler can explain the details of the Roofing Services Program and determine if the program is available in your area.
  • You may refer to the Contractor Locator page on® to see contact information for Roofing Network Service Providers (RNSPs) listed. You may contact any roofing network service provider whose information appears on the Contractor Locator page to get details and additional information regarding services they provide or to get assistance with identifying and selecting participating contractor(s) within their network who service the customer's geographic area who may be available to complete roofing repairs to your property.

    Note: State Farm does not warrant or guarantee the performance of any Roofing Network Service Provider or contractors you select.

What Should the Roof Repair Estimate Include?

Request a detailed estimate (written or digital).

  • Quantity of all materials needed (include all roofing items including vents, flashing or other wind or hail damaged items)
  • Labor charges
  • Work specifications
  • Approximate starting and completion dates
  • Payment procedures
  • Building permits secured (if applicable)
  • Warranty details – review all conditions and make note of any that may void the warranty.

Be Alert

  • Be cautious and ask questions before accepting a bid substantially lower than other bids for the same repair work in your area.
  • Contact your local Better Business Bureau to check for complaints filed against the contractor.