Hail Damage Insurance Estimate: Complete Example & Breakdown

Hail damage claims cover more than the roof. Here's what a complete hail damage estimate looks like — and the line items adjusters most commonly miss.

Overview

A complete hail damage claim accounts for damage to every exterior component of the property — not just the roof. Siding, gutters, windows, screens, A/C condensers, fencing, and outbuildings are all covered under most hail damage policies. Insurance adjusters routinely scope only the roof, leaving substantial legitimate damage items un-estimated.

What a complete hail damage estimate includes

Roof replacement (full scope)

See roof replacement estimate example for full breakdown.

Gutters and downspouts

Hail dents aluminum gutters and downspouts. Full replacement is typically warranted when dent count exceeds threshold.

Siding — hail damage

Aluminum and vinyl siding shows hail impact marks (spatter marks on vinyl, dents on aluminum). Requires documentation of impact density per section.

Window screens

Metal window screens are damaged by hail impacts and require replacement. Often overlooked in adjuster estimates.

Window trim and casing

Wood and composite window trim shows hail impacts and may require replacement.

A/C condenser

Fin damage to A/C condenser units is covered under hail damage. Requires HVAC assessment.

Fencing

Wood and composite fencing shows hail damage. Line items for individual sections.

Outbuildings

Garages, sheds, and other structures on the property are covered under the same hail event.

Paint — exterior

In some cases, hail impacts through paint to substrate on painted surfaces, requiring refinishing.

Line item breakdown with typical ranges

Category	Line Item	Unit	Typical Range	Notes
Gutters	Gutter — aluminum 5" K-style	LF	$6.50–$12.00/LF	Full replacement when density threshold met
Gutters	Gutter — aluminum 6" K-style	LF	$8.00–$14.00/LF	Larger size, same replacement criteria
Gutters	Downspout — aluminum 3x4"	LF	$4.50–$8.00/LF	Including elbows and extensions
Gutters	Gutter guards/screens	LF	$3.00–$8.00/LF	If present — must be documented
Siding	Vinyl siding — double 4"	SF	$2.50–$5.50/SF	Spatter marks indicate functional damage
Siding	Aluminum siding	SF	$3.00–$6.00/SF	Dents are functional damage
Windows	Window screen — replace	EA	$35–$75/EA	Each screen with documented hail damage
Windows	Window trim — paint	LF	$2.00–$4.00/LF	Where hail impact through paint to substrate
HVAC	A/C condenser — fin damage evaluation	EA	$150–$350/EA	HVAC contractor assessment required

* Ranges based on national Xactimate averages. Actual pricing varies by market, labor rates, and material costs.

Common items insurance companies leave out

Scoping only the roof and missing all secondary structures

Not documenting A/C condenser fin damage

Missing window screens entirely

Not counting outbuildings (detached garages, sheds)

Missing gutter guard replacement when gutters are replaced

Not documenting siding on all four elevations

Failing to supplement for matching siding when damaged sections can't be matched

How to compare your estimate to the insurance company's scope

1Request the adjuster's sketch and compare square footage for each elevation

2Count gutters and downspout linear footage from photos and compare to estimate

3Verify all secondary structures appear on the estimate

4Confirm A/C condenser is included if unit was exposed to hail

5Check window screen count against your photo documentation

6Look for matching provisions on siding if only partial damage is scoped

Compare estimates automatically with Appraisly

Appraisly

Appraisly compares your estimate to the insurance company's Xactimate scope line by line — finding missing items and discrepancies so you can supplement with confidence.

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Related resources

← Claims Library Xactimate Roofing Line Items How to Document Hail Damage Software for Roofers