StormProof → guides → Who assembles the weather evidence: PA, contractor, or policyholder?
Who assembles the weather evidence: PA, contractor, or policyholder?
Public adjusters represent the policyholder in the claim and routinely commission and argue from weather verification. Contractors document damage and scope; in most states they may not negotiate coverage on the policyholder's behalf — handing an adjuster a factual storm record is fine, arguing the claim can cross into unlicensed adjusting. Policyholders can of course present anything themselves.
The evidence itself should be role-neutral: the same per-address record, hosted on a neutral surface, citing official sources, regardless of who ordered it. Evidence that reads like a sales artifact for whoever bought it gets discounted by exactly the audience it needs to persuade — which is why our reports live on the data surface and never carry a pitch.
Can a roofing contractor give the homeowner a storm verification report?
Providing factual documentation of the storm record is generally fine and common; negotiating the claim with the carrier is the licensed activity to avoid in most states. The safe pattern: contractor documents, policyholder or PA argues.
Why does it matter who hosts the evidence?
Because the first thing a skeptical desk adjuster does is google the source. A record hosted on a neutral methodology-forward data site survives that check; the same numbers on a roofer's marketing domain start the conversation discounted.
When should a policyholder bring in a public adjuster?
Commonly: large or complex losses, denials and underpayment disputes, or when the process itself is overwhelming. PA fee structures and licensing are state-regulated — verify the license; the state insurance department lists them.
Sources and standing caveat
Official records referenced throughout: NCEI Storm Events Database (the official NWS storm record, 1950–present) and SPC daily storm reports (preliminary, same-day). NWS records are point and path observations. The absence of a nearby report does NOT prove that no hail fell at this address — it means no observation was logged nearby. A report of nearby hail documents the event; it does not by itself prove damage to a specific structure. Nothing on this page is legal, insurance, or public-adjusting advice — deadlines, coverage and remedies are policy- and state-specific.
Put the record in the file
A per-address verification report compiles every NWS-recorded hail and wind event within 1, 3 and 10 miles of any US address — distances, official narratives, citations, provenance labels — formatted as an insurance-appeal attachment, hosted on HailEvidence (the neutral evidence surface).
Unlimited reports — Pro $99/mo Single report $29
Related: How to document the date of loss for a hail claim · Fighting a denied hail claim with NWS records · SPC storm reports vs. NCEI Storm Events: which to cite, when · What counts as "severe" hail — and why 1 inch is the line