Prepare for Hail Season

Hail Season for Insurance Adjusters

With spring just around the corner, so is one of the most busy seasons for independent claims adjusters. Now is the time to make sure you are prepared to weather the storm. 

The best thing one can do when it’s raining is to let it rain.” 

– Henry Wadsworth Longfellow

Spring is often portrayed as the season of tornados, but as insurance claims adjusters, we know from experience that hail damage is the most common storm related type of claim that we close. The United States averages more than 5000 reports of large hail each year, compared to about 1000 reports of tornadoes. So today we are going to focus specifically on hail. 

Step One: Get Licensed

Before you can do anything, you must get licensed. Start with obtaining your license in the state that you live in, and then expand from there. Each state has different applying rules and regulations which adjusters must follow, so if you live in a state that does not license, you will need to obtain a license to work in another state. To get started, check out this helpful map to find out what your state requirements are. It’s always smart to check with your home state website as well, to make sure that you are up-to-date with current policy.       

Step Two: Gear Up  

Before you are called to duty, make sure you have your tablet or mobile device updated and installed with current versions of your favorite GPS app, Xactimate, a good weather reporting app, and Hail Recon (or some other form of hail mapping). Have your ladder easily accessible (Check out this blog for some of our favorite ladders), and grab your chalk, tape measure, and any other tools you may need. 

If you are in the roofing industry, you could also opt to save time and money by hiring a roof sketching company. These companies will take aerial images and report back to you with measurements, as well as hail reports that cover a specific time range. We like this option because it also removes the risk of injury on the job. If you are an AdjusterZone Gold Member you can take advantage of discounted rates through our partners at Ridge Top Aerial Technology, who offer amazing service at incredible speed.      

Step Three: Get Out There!

No matter what kind of claim you are filing, every year hail causes billions of dollars in damage to buildings, vehicles, property, and even people. So be safe out there and don’t take any unnecessary risks. Prepare in advance and save yourself from the additional stress of rushing to get things together. With a prepared plan, you can go forward with a clear mind – even when the skies are cloudy.     

2 thoughts on “Prepare for Hail Season

    1. According to the Insurance Journal, the top 10 states with the most hail storms in order of severity are: Texas, Illinois, Minnesota, Colorado, Missouri, Nebraska, Indiana, Oklahoma, Iowa and Kansas.

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