HailEvidence → wrong storm date
Carrier picked the wrong storm date? Compare every candidate in the record.
In hail-prone areas, more than one storm can hit the same property in a season — and which date a claim is assigned to can change your deductible, your policy period, or whether a prior claim offsets this one. The official weather record lists every qualifying event near your address so the dates can be compared, not argued from memory.
What to check before you dispute the date
Pull every NWS-recorded hail and wind event near the property across the candidate window — current and prior policy periods at minimum. Compare recorded size, distance, and the forecast office's narrative for each date. A date with larger, closer hail is a stronger match for significant damage than a distant, smaller event the carrier may have defaulted to.
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.
Start free: which storms actually hit near your address, and when?
Type a street address — or just a ZIP code. We measure it
against every hail event the National Weather Service recorded in the last 10 years and show you
how many fall within 1, 3 and 10 miles — free, instantly, nothing stored. Rural property with no street
address? Enter coordinates as 44.05, -107.31.
Address lookup by the U.S. Census Bureau geocoder. Records: NOAA NCEI Storm Events (final) plus SPC preliminary reports for storms newer than the latest compile — see methodology.
What the comparison does and doesn't settle
The record documents which storms happened, where, and when — it's the factual spine for a which-date argument, not a ruling on which policy period or deductible applies to your claim. That's a question for your policy document, your agent, or a licensed professional. What the record can do is take "there was no other storm" off the table as an assumption, and put every real candidate date on one page with citations.
If the free lookup turns up more than one candidate date, the full report lists every qualifying event in the window with its own citation, distance and narrative: Standard (10yr, hail) — $29 or Extended (15yr, hail & wind, appeal letter) — $49.
Related: "no storm of record" denials · denied as cosmetic damage · how long you have to file a claim · how to look up NOAA hail reports by address · methodology & sources.
Common questions
Why would an insurer pick a different storm date than the one I remember?
Hail-prone areas often see several qualifying storms in one season or policy period. Which date a claim is assigned to can change the deductible, which policy period applies, and whether a prior claim offsets this one — so the carrier has an incentive to default to whichever date is least favorable to you, especially if your own notice was vague about the date.
How does the weather record help with a wrong-date dispute?
It turns "which storm was it" from a memory argument into a comparison. Every NWS-recorded hail event near your address across the candidate window — with size, distance and the forecast office's narrative — lets you line the dates up and show which one actually matches your damage pattern, rather than accepting whichever date the carrier assumed.
What makes one recorded date a better match than another?
Recorded hail size near the address, how close the reports were, what the narrative describes for that area, and whether neighbors filed claims on the same date. A date with 2-inch hail one mile away is a stronger match for significant roof damage than a date with 1-inch hail eight miles away — the comparison is the point.
Can more than one storm share responsibility for the damage?
Physically, yes — successive storms can compound damage, and that's common in hail alley. Whether a policy treats progressive or repeated damage as one claim or several is a coverage question for your policy document or a licensed professional. What the record contributes is the dated sequence of what actually happened, which any such argument needs as its starting point.
How far back should I check for candidate storm dates?
At minimum your current and prior policy period. Our reports run 10–15 years specifically so a discovery-of-damage dispute, or a question about an older storm, is covered rather than cut off at an arbitrary recent window.
Compare every candidate storm date — $29
This page is general information, not legal or insurance advice. Sources: NOAA NCEI Storm Events Database (final through 2026-06-30) and NOAA SPC daily storm reports (preliminary, loaded through 2026-10-27). Methodology & sources.