Hail damage refers to the dents, cracks, or punctures caused by hailstones hitting your roof, siding, or other parts of your home during a storm. It can vary from cosmetic issues like small dents to more serious problems like cracked shingles or broken seals, which could lead to leaks and water damage. Hail damage usually happens quickly and might not be immediately obvious until after the storm has passed. To check for damage yourself, you can safely inspect your roof from the ground with binoculars or look for missing granules on driveway or gutters, damaged siding, or dents on metal flashings. However, avoid climbing onto a roof if you’re inexperienced or unsafe; it's best to leave that part to professionals.
Most homeowners insurance policies cover hail damage under the dwelling protection section, but coverage depends on your policy details, deductibles, and your insurer’s assessment of the damage. If you suspect hail damage, it’s important to document it with photos and contact your insurance company promptly to start a claim. When you call a roofer, you might ask, “Can you provide a detailed condition report of my roof including any hail-related damage?” and “How will your repair recommendations align with my insurance claim process?” This helps ensure you get a fair evaluation without risking your warranty or incurring unnecessary costs. A professional roofer can guide you on the best next steps and work directly with your insurer if needed.