Home insurance in Des Moines is a hail claim held against your own policy. The deductible for wind or hail may not match the deductible for everything else, and only your page knows. A bruised slope, dented gutters, and mashed condenser fins are facts to photograph before anyone tears off a shingle. Bring the page. A ranch and an older brick house do not present the same dwelling even when the same swath crossed both.
Ask how your policy separates hail from wind and from water that later entered through the bruise. A ceiling stain under a west slope is not the same path as a floor drain that backed up in the rain. Sewer backup is its own question. Flood is often not this policy. Do not let a neighbor's settlement write your wording. If a claim is already open, lead with it and keep the pictures with that claim.
Read the dwelling limit against a rebuild, not against what you paid. Belongings and the structure are different lines. Loss of use matters only if a covered loss makes the house unfit. If only the garage or a shed was marked, say so and do not describe it as the house. Soft metal on vents and aprons belongs in the notes because it shows impact where granules have already washed down the spout.
Document slopes before the surface is changed. West and south faces often show more than the north. A street that was skipped is useful context and not proof your roof was spared. If you are trying to understand the page before you open a claim, say that. If you are in the middle of one, say that too. Mixing a hail note with an old maintenance argument muddies the deductible you will meet.
Have the deductible, the policy, and what you can see from the yard. Say hail first if that is the mark. Des Moines will send another swath whether the paperwork is ready or not. Call the number on this page.