How to Get an Official Hail History Report for an Insurance Claim

If you are filing a hail damage insurance claim, one of the most important documents you can have is an official hail history report for your specific address — a record that shows exactly which storms hit near your property, when they hit, and how large the hailstones were, sourced directly from government weather data.

Here is what that report contains, why it matters, and how to get one.

What Is a Hail History Report?

A hail history report is a document that pulls together all documented hail events near a specific property address, sourced from official government databases:

NOAA Storm Events Database — the official federal record of severe weather events across the US

NEXRAD Doppler radar data — dual-polarization radar that measures hailstone size in real time

MRMS (Multi-Radar Multi-Sensor) — a national composite radar system that provides high-resolution hail data updated continuously

Storm Prediction Center (SPC) reports — the National Weather Service's record of confirmed severe weather events

Each event in a quality hail history report includes:

Date and time of the storm

Maximum hail size recorded near the property (in inches)

Distance from the storm center to the property address

The government source database record ID

This is the same data your insurance company will reference when evaluating your claim.

Why Does It Matter for an Insurance Claim?

Insurance adjusters need to verify that a hail event occurred near your property on or around the date you are claiming. Without an official source tying the storm to your specific address, a claim can be denied, delayed, or underpaid.

A hail history report solves this problem in several ways:

1. It establishes the storm date precisely. The exact date is critical — your policy likely requires you to file within 1-2 years of the loss event, and the storm date determines that clock.

2. It shows the adjuster what size hail hit your property. Hailstones of 1 inch or larger are generally the threshold for significant asphalt shingle damage. A report showing a documented 1.5-inch event near your home supports your claim that the damage is storm-related.

3. It is sourced from government data your insurer cannot dispute. NOAA Storm Events, NEXRAD radar, and NWS records are public federal databases. When your report cites those sources, the data is verifiable and authoritative.

4. It can identify storms you did not know about. Many homeowners discover significant hail events they were unaware of when they pull a full history. Some of these events may still be within the filing window.

What to Do With the Report

Once you have a hail history report for your address:

Identify all events producing 1" or larger hail within the past 1-2 years (check your state's filing deadline)

Schedule a professional roof inspection before filing — you need documentation of actual damage, not just storm occurrence

File your claim with the storm date from the report as the loss date

Provide a copy of the report to your adjuster — it supports your timeline and the hail size claim

A roofing contractor experienced with insurance claims can help you interpret the report and ensure your inspection documents the right damage indicators.

How to Get an Official Hail History Report

Free option: Check your address at HailScore — you get a free instant risk score and storm history showing all documented events near your property with dates and hail sizes. No signup required. This is the fastest way to see whether you have any events worth pursuing.

Official PDF report ($9.95): If you need a court-ready document with full source citations for an insurance claim, legal proceeding, or real estate disclosure, HailScore offers an official storm-history report for $9.95. It includes:

Every hail event in the past decade within 5 miles of your address

Hail size and date for each event

NOAA Storm Events database record numbers

NEXRAD radar station IDs

NWS warning polygon IDs — each claim traceable to a government source

Court-ready PDF formatting, delivered to your email in approximately 60 seconds

This is the document to have if you are going to use it with an insurance company, attorney, or real estate transaction.

Frequently Asked Questions

Can I use a HailScore report in a dispute with my insurer?

Yes. The data is sourced from the same government databases your insurer uses internally. A report that cites specific NOAA event IDs and NEXRAD radar records gives your adjuster the source data to verify independently.

What if the report shows hail but my insurer denies my claim?

Denial does not mean the end of a claim. A public adjuster can review the denial. Having a documented storm record with government source citations strengthens your position in any appeal or dispute.

How far back does the data go?

HailScore's database covers events from 2015 to present, incorporating both historical NOAA Storm Events records and high-resolution MRMS radar data.

What if my address is not in Colorado?

HailScore covers all US addresses for the free risk score. The official storm-history report is also available for any US address.

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Your roof is one of your home's largest assets. A $9.95 hail history report that supports a legitimate insurance claim — potentially worth $10,000 to $40,000 in roofing costs — is one of the highest-return documents you can have.

Get your free address check or order the official $9.95 report now.