Hailstorms can cause costly damage to homes and vehicles, with average claims around $12,000 for homeowners and $4,300 for vehicles. Review your insurance policy and deductible before filing a claim, as minor damage may be cheaper to repair out of pocket. Document damage thoroughly, file claims promptly, and gather repair quotes. Negotiate with adjusters or seek help from public adjusters, insurance commissioners, or lawyers if needed. Choose your own contractor for repairs.