Why hail damage is easy to miss
From the driveway, a hail-damaged roof can look completely fine. The impact marks are often subtle and only visible up close, which is why so many homeowners never realize they may be owed a new roof after a storm.
What hail damage actually looks like
On the roof itself, look for dents or bruises on the shingles, spots where the protective granules have been knocked loose, and damage to soft metal surfaces like vents and flashing. Circular dings on gutters or downspouts are another clue the storm was strong enough to hurt the roof.
3 steps to take before you file
- Document the storm and the damage — note the date and photograph what you can safely see.
- Get a professional inspection — a roofer can safely assess what's not visible from the ground.
- Review your policy — understand your coverage and deductible before contacting your insurer.
A note on coverage
Insurance covers sudden storm damage, not normal wear and tear. Whether a claim is approved depends on your specific policy, deductible, and adjuster — always confirm the details with your insurer.