Before you begin
Compare roof, mitigation, settlement, and deductible terms for wind and hail exposure.
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Wind and Hail Checklist
| Done | Item and purpose | Your notes |
|---|---|---|
| Roof age and material Use permits, invoices, and current photos. | ||
| Roof condition Track professional findings and completed repairs. | ||
| Impact rating Save product documentation when applicable. | ||
| Roof attachment Keep mitigation or inspection evidence. | ||
| Shutters and openings Record rated products and installation. | ||
| Garage door Document wind rating or reinforcement. | ||
| Wind mitigation inspection Use the current state or carrier form when required. | ||
| Wind and hail deductibles Convert flat and percentage terms to comparable amounts. | ||
| Hurricane or named storm Ask how the trigger differs from ordinary wind. | ||
| Roof settlement and cosmetic damage Read actual-cash-value schedules and exclusions. |
How to finish the review
- Mark uncertain answers instead of guessing.
- Attach the quote, declarations page, and form or endorsement that supports each answer.
- Ask the agent or carrier to resolve differences in writing.
- Repeat the same fields for every quote so price is compared on equal terms.