Here’s our 4-step hail claims process.
When a hailstorm strikes, it can feel like a hit to your home and your wallet. Our process will help you get the money you need for repairs, so you can get on with your life.
For large hailstorms, the times listed may take longer.
1. Report
The quickest way to report your claim is in My Claims Center. If we need more information, an adjuster will contact you.
2. Inspect
If you need an inspection, we'll visit your home to look at the damage and start an estimate. It'll take us about 10 business days to finish our report.
Find out how to read your estimate.
3. Pay
After we approve your estimate, we’ll send you a payment, usually within 2 business days. Then you can start repairs.
Our first payment might not be the only payment. Sometimes repairs end up costing more than the estimate, and that's OK.
You might be able to recover costs through a supplement to your claim or recoverable depreciation.
4. Repair
You can choose to complete the work yourself or hire a contractor.
If you want us to help you find a contractor, just message an adjuster. If you or your contractor find more damage during repairs, send us a message to let us know.
After repairs are finished, upload your final invoice in My Claims Center.
What if my estimate isn’t enough to cover repairs?
If you find more damage or repairs end up costing more than your estimate, you might need to supplement your claim. Message an adjuster before starting any new work.
You'll need to upload a new invoice from your contractor, as well as receipts and photos of the new damage.
For more help, check out our other claims videos.
Video Duration: 2 minutes 21 seconds
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Description of visual information: [What if my repairs will cost more than my estimate? It's not uncommon to need adjustments if you find additional damage or have to meet building code requirements.] End of description.
If you're faced with additional repair costs that weren't covered by your homeowners insurance claim estimate, you will need to submit a supplement. It's not uncommon to need adjustments, and we're here for you until your covered repairs are complete.
Here's how it works.
What’s a supplement?: Elapsed time 13 seconds [00:13]
What's a supplement to your homeowners insurance claim?
It's an estimate or information to explain the need for additional repair or replacement costs that were not included in your original estimate. You might need to submit one if:
- You find additional damage during repairs.
- We missed something during the inspection process.
- Your contractor estimate is higher than your adjuster estimate.
- The cost of repairs is higher than anticipated.
Be sure to review your policy details or discuss them with your adjuster before filing a supplement. Some costs may not be covered, such as, but not limited to:
- Your deductible.
- Upgrades to your home.
- Depreciation, unless the repairs qualify for recoverable depreciation.
- Areas not damaged (affected) by the covered loss.
How does it work?: Elapsed time 1 minute 4 seconds [01:04]
How does the supplement process work? We make it easy to update your claim online in three steps.
One, gather information for your supplement. To help us process your claim quickly, we'll need documents that support your claim, such as:
- An itemized contractor estimate.
- Photos of the additional damage.
- Receipts showing extra costs.
Two, submit your supplement online.
Once you've gathered documentation, you can submit your supplement online anytime using the USAA Mobile App, Claims Center or your unique claim email address. After we receive your information, it'll take us about 7 to 10 business days to determine whether your supplement should be approved.
Three, get paid, if approved.
Your adjuster will review your supplement details and coverage and may contact you for more information. They'll provide you with an update on your claim as soon as possible.
If your supplement is approved, we'll issue another payment or add the additional amount to your recoverable depreciation to cover the additional repair costs.
We'll send an updated estimate and review the details with you. You can then use the additional funds to complete your home repairs.
Have questions about your coverage?
We may be able to answer them in our Coverage FAQ. You can also message your adjuster using the USAA Mobile App, Claims Center or your unique claim email address.
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Hail claims FAQ
You can either find your own contractor or let us help you find one. You may also choose to do the repairs yourself.
Whatever you decide, your policy will cover the costs to repair your home. When you ask us for help, we'll give you a list of USAA-preferred contractors. With them, you get:
- A 3-year warranty.
- Convenient scheduling.
- An estimate that's available on usaa.com or our mobile app.
- Payments made directly to the contractor. You only have to pay your deductible.
This is the gap between the cost to repair or replace your property and its actual cash value, or ACV.
If you have replacement coverage as part of your policy, you can recover this difference after you complete the work. Just provide proof that the work is finished, and we'll take it from there.
For example, if your 10-year-old roof gets damaged, our first payment will likely reflect its value with depreciation or the loss of value due to age, wear and tear.
But once you repair or replace it, we might be able to reimburse you the remaining cost for a new roof of the same type and quality.
You'll pay your deductible to the contractor who repairs your property.
We’ll also subtract your deductible from our first claim payment. You can view your deductible any time on the USAA Mobile App or on usaa.com in your homeowners policy.
Your policy will only pay for what's covered under your claim. You’ll have to pay for any additional work or costs.
Still need help?
If you can’t find the information you need, call us at 800-531-USAA (8722).
Ready to start your homeowners hail claim?
