Complete Guide to Hail Damage Roof Repair
Hail storms can cause significant damage to your roof, often without obvious signs visible from the ground. Here is everything you need to know about identifying damage and navigating the insurance process.
How to Identify Hail Damage
On Asphalt Shingles
- Random dents or bruising
- Loss of granules (dark spots)
- Soft spots when pressed
- Cracked or split shingles
On Metal Roofs
- Visible dents
- Scratches in coating
- Punctures in severe cases
Other Areas to Check
- Gutters and downspouts (dents)
- Vents and flashing
- Skylights
- Air conditioning units
The Insurance Claim Process
Step 1: Document Everything
- Take photos of damage
- Note the date of the storm
- Keep records of any immediate repairs
Step 2: Contact Your Insurance Company
- File a claim within the required timeframe (usually 1 year)
- Request an adjuster inspection
- Get a claim number
Step 3: Get a Professional Inspection
- Have a licensed roofer inspect your roof
- They can identify damage the adjuster might miss
- Get a detailed estimate
Step 4: Meet with the Adjuster
- Have your contractor present if possible
- Walk through all damage together
- Document everything discussed
Step 5: Review the Settlement
- Compare the insurance estimate to your contractor quote
- File a supplement if damage was missed
- Understand your deductible responsibility
What Insurance Typically Covers
Covered:
- Roof replacement if damage exceeds repair threshold
- Related water damage inside
- Temporary repairs (tarping)
Not Covered:
- Pre-existing damage
- Normal wear and tear
- Cosmetic damage only (some policies)
Tips for a Successful Claim
- Act quickly - Delays can complicate claims
- Avoid storm chasers - Use established local contractors
- Never sign over your insurance check to a contractor
- Get everything in writing before work begins
- Know your policy - Review coverage limits and deductibles
Red Flags to Avoid
Watch out for contractors who:
- Offer to waive your deductible (this is insurance fraud)
- Pressure you to sign immediately
- Cannot provide license and insurance info
- Want full payment upfront
Connect with trusted local roofers who specialize in insurance restoration work.
