Hail damage is one of the most common reasons for a roof insurance claim, and one of the easiest to miss from the ground.
Signs of hail damage
| Roof type | What to look for |
|---|---|
| Asphalt shingles | Dark spots where granules are knocked off, bruises that feel soft, cracked shingles |
| Tile | Cracked, chipped or broken tiles |
| Metal | Dents in panels, flashing and vents |
| Flat roofs | Punctures, fractures in the membrane, damaged surfacing |
Also check gutters, downspouts, vents, window screens and outdoor units. Dents there support the claim.
Documenting hail damage
- Photograph hail on the ground with a coin or ruler for scale
- Note the storm date and time
- Save a local weather report or storm alert
- Get a professional inspection, since walking a damaged roof is risky
What adjusters look for
Adjusters look for a pattern of impacts consistent with hail, and they separate hail damage from wear, blistering and foot traffic. Your inspection report and photos help make the case.
Cosmetic versus functional damage
Some policies limit payment for cosmetic hail damage, meaning dents that do not affect how the roof works. Check your policy for this language.
See the full claim process.