Time to first payment: About 3 weeks
Note that all timeframes are estimates and could take longer after natural disasters with widespread damage.
Here's our 4-step hail claim process.
When a hailstorm hits, it can feel like a hit to your home and your wallet. Our process is made to 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 the claims center. If additional information is required, 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.
See how to read your estimate3. Pay
Once the estimate's approved, we'll send you a payment, usually within 2 business days, so 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.
Once repairs are finished, upload your final invoice in the 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.
Homeowners Hail Claims
Video Duration: 2 minutes 21 seconds
Transcript Date: Oct. 26, 2022
Intro [00:00]
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. Description of visual information: [It's Not Uncommon: It's not uncommon to need adjustments if you find additional damage or have to meet building code requirements.] End of description.
What's a Supplement? Elapsed Time 13 Seconds
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 by the covered loss.
How Does it Work? Elapsed Time 1 minute and 04 Seconds
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.
Outro Elapsed Time 2 minute and 07 Seconds
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.