How to File a Hail-Damage Insurance Claim in Mecklenburg County

A clear, no-fluff walkthrough of what to do (and what NOT to do) after a Charlotte hail storm — from first inspection through final payment.

What this guide is and isn't

This is a homeowner's playbook for handling a hail or wind damage claim in Mecklenburg County. It is not legal advice and it is not policy-specific — your individual policy controls.

## TODO — Step 1: Document the storm event

Cover: NOAA storm reports, date of loss, photos before adjuster arrives.

## TODO — Step 2: Get a professional inspection BEFORE calling the carrier

Cover: why we inspect first, what a real hail-damage inspection looks like, the difference between cosmetic and functional damage.

## TODO — Step 3: File the claim correctly

Cover: when to file, what to say, what NOT to say, deductible vs. claim threshold math.

## TODO — Step 4: The adjuster meeting

Cover: why we always meet the adjuster on site, scope of loss, ACV vs. RCV, what gets missed if you don't have a contractor there.

## TODO — Step 5: Reviewing the initial scope and supplementing

Cover: line-by-line scope review, common missing items (ridge cap, flashing, decking, code upgrades), the supplement process.

## TODO — Step 6: Depreciation recovery

Cover: ACV first check, RCV recoverable depreciation after work is completed, deadlines.

## TODO — Common mistakes

Cover: signing AOB without reading, accepting first scope, paying contractor before work is done, missing roof certificate filings.

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