How do I know if my roof has hail damage if it is not leaking?
Hail damage is often hard to see from the ground, and a roof can be damaged without leaking right away. Hail can knock granules off shingles, crack them and damage the edges, which shortens the life of the roof. The best way to know is to have your roof inspected after a storm.
What hail does to shingles
Asphalt shingles are covered with mineral granules that protect them from the sun. Hail can knock those granules loose and leave soft spots where the shingle is damaged.
Hail damage to asphalt shingles can include granule loss, broken shingle edges and punctures. Over time, damaged shingles wear out faster and can start to leak.
Signs you can check from the ground
Dents in gutters and downspouts. Aluminum gutters dent easily, so dents after a storm are a sign that the roof may have been hit as well.
Granules at the bottom of downspouts. A sudden buildup of granules after a storm can be a sign of hail damage.
Damage to other soft metal. Dents in air conditioner fins, vent caps, window screens or mailboxes are also signs of hail.
Why to have your roof inspected early
Insurance policies have deadlines for filing a claim, usually measured from the date of the storm. If you wait until the roof leaks, the deadline may have passed.
Class 4 impact-resistant shingles are designed to resist hail damage, and some insurance companies offer premium discounts for them.
Frequently Asked Questions
How big does hail have to be to damage a roof?
It depends on the age and type of shingle and on the wind during the storm. Older shingles can be damaged by smaller hail than newer ones.
Can I check my roof myself?
You can safely check your gutters, screens and yard from the ground. Walking on a roof is dangerous, so leave the roof itself to a professional.
Why was my neighbor’s claim approved and mine was not?
Hail does not fall evenly, and roofs differ in age and material, so two houses on the same street can have different results.
