(440) 307-2060
Hail Damage Roof Inspection: A Complete Homeowner’s Guide
When a storm passes through, one of the first concerns many homeowners have is whether their roof has suffered damage. Scheduling or conducting a hail damage roof inspection is one of the most important steps to take after a severe storm. Hail can compromise shingles, flashing, gutters, and even the structural integrity of your roof without leaving obvious signs visible from the ground. Knowing how to properly inspect for hail damage can save you from costly repairs later on and can ensure that any insurance claims are filed correctly and on time.
This comprehensive guide will cover everything you need to know about hail damage inspections: what hail does to a roof, signs to look for, how inspections are carried out, when to call in a professional, and what steps follow after an inspection. By the end, you’ll understand the process in detail and feel prepared to handle any storm-related roof issues confidently.
Why Hail Is So Damaging to Roofs
Hailstones may look like nothing more than chunks of ice, but they can fall at high speeds, often between 20 and 50 miles per hour. Larger hailstones can reach the size of golf balls or even baseballs, and when they strike a roof, the impact can be severe.
Here’s why hail is so destructive to roofing systems:
- Force of Impact – Even small hail can loosen or crack shingles when falling at high speeds.
- Repetition – A storm often involves hundreds or thousands of impacts across the roof surface.
- Shingle Granule Loss – Asphalt shingles rely on protective granules to shield against UV rays. Hail knocks these granules loose, shortening the lifespan of shingles.
- Hidden Weaknesses – Hail may bruise shingles or damage the underlayment, which isn’t visible until leaks form later.
The Importance of a Hail Damage Roof Inspection
Skipping or delaying an inspection after a hailstorm can have serious consequences. Problems caused by hail are often subtle at first but become larger over time.
- Prevents Leaks – Detecting early signs of shingle cracks or punctures helps stop leaks before they start.
- Protects Home Value – A compromised roof lowers property value and makes selling difficult.
- Ensures Insurance Coverage – Most insurance policies require prompt reporting of hail damage.
- Extends Roof Life – Addressing issues early prevents premature roof replacement.
Even if your roof looks fine from the ground, an inspection may reveal underlying issues that only a trained eye can spot.
What Hail Damage Looks Like on Different Roofing Materials
Different roofing types respond differently to hail impacts. Here’s what to look for depending on your roof type:
Asphalt Shingles
- Circular black or dark spots where granules are missing
- Bruised areas that feel soft or spongy
- Cracks or splits in shingles
- Shiny patches of exposed asphalt
Wood Shingles/Shakes
- Splits along the grain
- Fresh-looking cracks with sharp edges (not weathered)
- Dents or gouges in the wood surface
Metal Roofing
- Dents of varying sizes, often visible in sunlight
- Damaged protective coatings that expose metal to rust
- Bending or creasing of thin panels
Tile Roofing
- Chipped or fractured tiles
- Cracks that can worsen with freeze-thaw cycles
- Loose or shifted tiles caused by impact
Each material requires a slightly different inspection approach, but the principle remains the same: look for impact marks, fractures, or compromised protective layers.
How to Conduct a Hail Damage Roof Inspection
A hail damage inspection involves more than just glancing at the shingles. It’s a systematic process that includes both the roof and surrounding areas.
Step 1: Safety First
- Use a sturdy ladder and proper footwear with good grip.
- Avoid inspections during wet or windy conditions.
- Consider using binoculars for a preliminary ground-level inspection.
Step 2: Inspect the Property Exterior
Check for collateral damage around the house:
- Dents in gutters, downspouts, and flashing
- Dings or cracks in siding
- Damaged window screens
- Dents in air conditioning units or outdoor furniture
If hail damaged these areas, your roof likely sustained impacts as well.
Step 3: Inspect the Roof Surface
- Look for discolored or dark spots where granules are missing.
- Run your hand gently over shingles to feel for soft spots or bruises.
- Check ridge caps and hips, as they take direct hail impact.
- Note any cracked, curled, or missing shingles.
Step 4: Inspect Accessories and Penetrations
- Flashing around chimneys, skylights, and vents may show dents.
- Roof vents can be cracked or dented.
- Ridge vents often show clear hail impact marks.
Step 5: Inspect the Attic
- Look for signs of leaks, moisture stains, or damp insulation.
- Check for light seeping in, which can indicate punctures.
Signs of Hail Damage That Require Immediate Attention
Not every dent or missing granule means you need a full replacement. However, certain signs indicate urgent action is needed:
- Shingles with cracks that expose the fiberglass mat
- Widespread loss of granules exposing asphalt
- Leaks or water stains on interior ceilings
- Significant denting on flashing or gutters
- Soft or spongy areas of the roof deck
If you notice these problems, don’t delay in contacting a professional.
Professional vs. DIY Inspections
Homeowners can perform basic visual checks, but a professional hail damage roof inspection offers several advantages:
- Trained Eye – Professionals know the difference between normal wear and true hail damage.
- Documentation – Detailed inspection reports include photos for insurance claims.
- Safety – Roofers are trained to work safely at heights.
- Thoroughness – Contractors check areas often overlooked in DIY inspections.
Many roofing companies even provide free inspections after major storms, knowing insurance claims often cover needed repairs.
Insurance and Hail Damage Inspections
Insurance coverage is one of the main reasons inspections are so important. Here’s what to keep in mind:
- Prompt Reporting – Most policies require you to file a claim within a certain timeframe after a storm.
- Proof of Damage – Inspection reports with photos serve as evidence.
- Adjuster Inspections – Your insurance company will send their own inspector, but having an independent contractor’s inspection helps ensure fairness.
- Replacement vs. Repair – Depending on the extent of damage, insurance may cover a full roof replacement rather than just patchwork.
Common Mistakes During Inspections
- Assuming No Damage Because There Are No Leaks – Hail damage can take months to cause interior leaks.
- Only Checking the Ground – Many impacts are only visible up close.
- Ignoring Gutters and Flashing – These areas reveal evidence of hail even if shingles look fine.
- Not Documenting Thoroughly – Failing to take photos can complicate insurance claims.
Timeline of a Hail Damage Roof Inspection Process
- Storm Occurs – Hail falls, potentially damaging your roof.
- Initial Homeowner Check – Look for obvious signs of damage.
- Schedule a Professional Inspection – Ideally within days of the storm.
- Inspection Day – Contractor documents roof and property damage.
- File Insurance Claim – Submit documentation to your insurer.
- Insurance Adjuster Visit – Company verifies claim with their own inspection.
- Approval and Repairs – Work is scheduled once claim is approved.
Preventative Measures Before Hail Season
While you can’t stop hail, you can reduce its impact:
- Install Impact-Resistant Shingles – Class 4 shingles withstand hail better than standard asphalt.
- Maintain Gutters and Flashing – Strong drainage systems reduce leak risks.
- Trim Trees Near Roof – Prevents additional damage from falling branches during storms.
- Schedule Regular Inspections – Annual checkups catch pre-existing vulnerabilities.
Case Study: Small Hail vs. Large Hail
- Quarter-Sized Hail (1 inch)
- Usually causes minor granule loss on shingles
- May dent aluminum gutters
- Inspections often reveal light but widespread damage
- Golf-Ball-Sized Hail (1.75 inches)
- Cracks and bruises shingles
- Breaks window screens
- More likely to warrant an insurance claim
- Baseball-Sized Hail (2.75 inches)
- Shatters shingles, tiles, and skylights
- Severe structural damage likely
- Almost always results in roof replacement
How Long Does an Inspection Take?
- Basic DIY check: 15–30 minutes
- Professional inspection: 1–2 hours depending on roof size and complexity
- Full property inspection with report: Up to half a day
Myths About Hail Damage Roof Inspections
- Myth: If shingles aren’t missing, the roof is fine.
- Truth: Granule loss and bruising weaken shingles even if they look intact.
- Myth: Insurance will automatically cover hail damage.
- Truth: Claims require proof of damage within the policy timeline.
- Myth: Inspections are unnecessary for new roofs.
- Truth: Even brand-new roofs can suffer severe hail damage.
What Happens If Hail Damage Is Ignored?
Failing to inspect and repair hail damage can lead to:
- Slow leaks developing into mold and rot
- Insulation damage in the attic
- Structural weakening of roof decking
- Costly emergency repairs instead of planned maintenance
What could have been a simple repair may turn into a full replacement if left unchecked.
Questions Homeowners Commonly Ask
How soon after a storm should I schedule an inspection?
Within a few days is ideal. Insurance companies expect prompt action.
Can I inspect the roof myself?
You can, but be cautious. Many damages are subtle, and climbing on the roof poses risks.
Does insurance cover old roofs with hail damage?
Yes, but coverage may be prorated if the roof is near the end of its expected life.
Should I file a claim even if I’m not sure?
Yes. An inspection will determine whether the claim is valid, and filing promptly protects your rights.
Conclusion
A hail damage roof inspection is one of the most important actions you can take after a severe storm. Hail impacts can shorten the life of your roof, cause hidden leaks, and compromise your home’s value. By understanding how inspections are performed, recognizing signs of damage, and knowing when to involve professionals, you can protect your home and ensure any necessary repairs or replacements are handled quickly.
Don’t wait until water drips through your ceiling. Make inspections a routine part of storm response, and you’ll save money, extend your roof’s lifespan, and maintain peace of mind knowing your home is secure.440-235-3124
