Two Hail Storms Same Year — Window Claim With Overlapping Damage
June hail cracked some glass. The claim was open, the windows were on order or not started, and then August hail hit the house again.
Reply within one business day. Or call / text 763-204-2099.
With two hail storms the same year, the window claim gets harder because the insurer needs to know which storm broke what. JMB Builders photographs and logs every window, notes what was already on record from the first storm and what is new, and writes the scope so each line can be tied to a date. You and your insurer sort the claims. Then one measure, one order, one install. Twin Cities metro. Priced per project.
- Every window logged against the first storm's record
- New damage photographed and listed separately
- One measure, one order, one install when approved
Twin Cities summers can bring more than one hail day, and a claim can still be open when the next storm comes through. Now there are two questions instead of one. Which damage came from which storm. And whether damage from the first storm that was paid or approved but not yet repaired is part of the second claim at all. Insurers handle that in different ways, and the second storm may be its own claim with its own deductible. Check your policy and ask your agent before assuming anything.
What decides it is the record. If the first storm's damage was photographed window by window, the new damage can be separated cleanly: the crack that was already on the scope, the new crack in the pane next to it, the screen that was fine in June and torn in August. If there is no record, the adjuster has to guess, and the guess rarely goes your way. Your own dated phone photos, the first adjuster's estimate and our first scope are all evidence.
We do the carpentry and the documentation. Each window gets a new set of photos with a scale reference, compared to the first set, and the scope notes which lines were already on the first claim, which are new, and which got worse. You file and deal with your insurer on both claims. Once the scopes are approved, the house is measured once and ordered once, so you are not living through two installs. Minnesota law (Minn. Stat. 325E.66) bars a contractor from waiving, rebating or paying any part of a deductible, one or two, and we do not.
Get a written quote for this job
Three photos and a sentence is enough: a reply within one business day, or ask for a free in-home estimate. Or text the photos to 763-204-2099.
What you supply
- Both claim numbers, or the first claim number and the date of the second storm
- Any photos you took after each storm, with the dates
- The first adjuster's estimate and any payment letters
- A decision on whether to pause an order already placed until the second storm is scoped
- Access to every window inside and out
What JMB supplies
- A new walk of every window and door with photos and a scale reference
- A side-by-side against the first storm's photos and scope, window by window
- A line-item scope marking each line as already claimed, new, or worse since the first storm
- Meeting the adjuster on the second claim when you want us there
- Board-up or a temporary pane for anything open to the weather
- One in-person measure and one combined order once both scopes are settled
- Room-by-room install and a final invoice that lists which lines belong to which approval
How it is priced: per project
Quoted in writing from your photos, with a reply within one business day. What moves the number:
- How many windows and doors each storm hit, and how many were hit twice
- Whether a first-storm order was already placed and needs to change
- Glass, sash or whole-unit repair for each opening
- Screens, storm doors and patio doors added by the second storm
- Full-frame work in siding, brick or stucco, and second-story access
- Whether the work installs in one stretch or in phases as claims are approved
Send photos from after each storm if you have them, plus the first scope. We reply within one business day, or book a free in-home estimate.
How long it takes
Re-documenting: one visit. Claims: on each insurer's schedule. Order: depends on the brand and is written on the quote. Install: one stretch, room by room, once both are settled.
How your project works
- 1
Send photos, get a written quote
Send three photos of the space and a sentence about what you want. You get a clear, itemized reply within one business day. Prefer a look in person? A free in-home estimate is always an option.
- 2
Pick materials, or bring your own
We help you choose profiles and materials that fit the house and the budget, or match your existing millwork exactly — or you buy the door or trim yourself and we install it. Everything is confirmed before the crew is scheduled.
- 3
Clean, precise installation
The crew shows up on time, protects floors and furniture, and installs with tight joints and consistent reveals. Photos of the finished work go in your job folder.
- 4
Walkthrough and invoice
We walk the finished work with you. If anything is not right, we fix it before we call the job done. Then one invoice, paid by check or direct deposit — no card fees, no payment links.
Situations and options
First claim not yet repaired
The most common case. The first scope is the baseline; new damage is listed against it. Any order placed for the first claim is checked against the new damage before it is built, if the maker can still change it.
First claim already repaired
Simpler. The new windows are clean evidence: any damage on them is from the second storm. Our finished photos from the first job show the condition they were left in.
First storm never claimed
The hardest case. Old damage and new damage sit side by side with no record. We note which damage looks fresh and which looks older; whether the first storm can still be claimed is a question for your agent.
Two Hail Storms Same Year — Window Claim With Overlapping Damage: questions, answered
What happens if a second hail storm hits before my windows are repaired?
The insurer will want to know which damage came from which storm. Report the second storm to your insurer and ask how they want it handled; it may be a new claim. We photograph every window again and mark each scope line as already claimed, new, or worse since the first storm.
Do I pay two deductibles for two hail storms?
Often each storm is a separate loss with its own deductible, but that is set by your policy and your insurer. Check your policy and ask your agent. A contractor cannot waive, rebate or pay either deductible under Minnesota law.
Will insurance pay again for damage from the first storm that I never fixed?
Usually an insurer will not pay twice for the same damage, which is why the record matters. Damage that is new or got worse in the second storm is a different matter. Ask your agent how your insurer handles it, and keep the first scope and photos handy.
Should I cancel my window order after a second hail storm?
Do not cancel it without checking with your contractor and your adjuster. If the ordered windows are still the right repair, they go in as planned and the second storm adds lines. If the second storm changed a repair from glass to a whole unit, the order may need changing before the maker builds it.
How do you tell new hail damage from old on the same window?
Compare against the first set of photos first; that settles most of it. Fresh cracks have clean edges, new dents in aluminum show bright metal, new screen tears are clean. Older damage collects dirt and dulls. We note which is which on each line.
Can both claims be installed in one visit?
That is the goal. Once both scopes are approved, every opening is measured once and the windows go in as one order, so colors and glass match and the house is worked room by room in one stretch. The final invoice shows which lines belong to which claim.
Recent JMB work, from our job log
59 installs recorded across 30 Twin Cities communities since Dec 2025. Window and door installs for homeowners and the builders we work with. Counts come straight from our job log; no customer names.
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Read morePage reviewed October 9, 2026 · JMB Builders LLC, MN license BC809005 · All insurance repairs pages
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