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Should you file that hail claim?
A denied claim still hits your CLUE report and can raise your premium. Answer six questions — we'll tell you honestly if it's worth filing.
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1
When did the storm hit?
Most NM carriers require claims within 1 year of the date of loss.
2
How big was the hail?
Carriers pay for hail ≥1" (quarter-size). Under that rarely bruises asphalt.
3
Any visible damage to the property besides the roof?
Collateral damage (screens, gutters, car dents) helps the adjuster confirm the storm.
4
How old is the roof?
5
Any prior hail claim on this roof?
6
Any interior leak or ceiling stain?
Why we're honest
A denied claim costs you real money.
CLUE report follows you
Every claim (paid or denied) shows on your loss-history report for 5–7 years and can raise premiums.
Deductible risk
If the payout is under your deductible, you paid the adjuster fee for nothing.
Non-renewal risk
Two claims in three years and some NM carriers non-renew your policy — regardless of fault.
Next step
If it's payable, we document it. If it's not, we tell you.
Book the free on-site inspection, or send a photo and we'll tell you what to do next. No sales pitch — we don't install roofs.