The short answer
How Hail Damages Roofing Materials
Hail damage depends on the size, density, and wind speed of the hailstones. Small hail may cause minor surface bruising on asphalt shingles, while larger stones can crack the shingle's protective granules. For tile, slate, or wood shake roofs, hail can cause outright fractures. Even a single impact can compromise the roof's main job: keeping water out of your house.
The underlying roof deck, usually made of plywood or oriented strand board, can also crack under a severe hail strike. This damage is hidden beneath the shingles. A compromised deck provides a direct path for water to seep into the attic and the home's structure, leading to more extensive problems like rot and mold.
Signs Your Roof Has Hail Damage
From the ground, you might see dark spots or dents on your shingles where the granules have been knocked away. Look for shingles that appear bruised or soft when pressed. Check gutters and downspouts for an accumulation of granules, which look like coarse black sand. This granule loss accelerates roof aging and reduces its lifespan.
Check metal components like roof vents, flashing, or gutters for dents. Inside your home, inspect the attic for any signs of water stains, daylight peeking through the roof boards, or moisture on the insulation. If you find any of these signs after a storm, it's wise to have the roof inspected by a qualified roofer.
The Immediate Steps After a Hailstorm
Your first priority is safety. Avoid climbing onto the roof yourself, especially if it's wet or damaged. Instead, document what you can safely see from the ground. Take clear photographs and notes of any visible damage to the roof, siding, windows, and outdoor equipment. This documentation is crucial for any potential insurance claim.
Next, check inside your home for water intrusion. Look for wet spots or discoloration on ceilings and walls, especially in the rooms directly under the roof. If you find water entering your home, you need to act quickly to mitigate water damage and prevent mold. Contact a roofer for an assessment and local water damage pros if there is active leaking.
- Clear downspouts and gutters of hail debris to prevent backups.
- Move vehicles and outdoor furniture to a covered area if more storms are forecast.
- Cover any interior leaks with a bucket and towels to contain water.
- Keep all receipts for any temporary repairs or tarps you purchase.
- Do not make permanent repairs until your insurance adjuster has visited.
- Schedule a professional roof inspection as soon as it is safe to do so.
Repairing Hail Damage and Preventing Leaks
Repairs depend on the extent of the damage. For isolated cracked or missing shingles, a roofer can often perform spot repairs. If the damage is widespread across many roof slopes, a full roof replacement may be the most cost-effective and reliable solution. A roofer will provide options based on the age of your roof and the pattern of damage.
If water has already entered, water damage restoration is a separate process. Local water damage pros use moisture mapping and structural drying to remove water you can't see inside walls and ceilings. This step is critical to prevent secondary damage like structural weakening and mold growth, which can start within 24 to 48 hours.
Insurance and Professional Assessments
If you suspect hail damage, contact your insurance company to start a claim. They will typically send an adjuster to inspect the damage. It is highly recommended to also get an independent assessment from a qualified roofer. The roofer can provide a detailed repair scope to discuss with your adjuster. Policies vary, and your insurer decides what is covered.
Working with professionals for both the roof and any interior water damage ensures the job is done correctly. A roofer addresses the source of the leak. Local water damage pros handle the resulting moisture to restore your home's condition. Coordinating these services helps protect your home's value and your family's health by preventing long-term issues.
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Call Now (208) 537-2633Frequently asked questions
How can I tell if hail cracked my roof if I don't see leaks?
Hidden damage is common. Look for granule loss in gutters, dents on vents or flashing, and bruised shingles. Without visible leaks, the only sure way to know is a professional inspection. A roofer can safely assess the roof's condition and identify compromised areas.
Does homeowners insurance cover a hail-damaged roof?
Most standard policies cover sudden, accidental damage from hail. However, coverage details and your deductible apply. You must file a claim, and an adjuster will determine the covered loss. Policies vary, and your insurer decides what is covered.
What happens if I ignore small hail damage?
Small cracks or granule loss weaken the roof's waterproofing. Over time, this leads to slow leaks, wood rot in the decking, and moisture buildup in your attic. This moisture can cause mold growth and attract pests, leading to much costlier repairs later.