Hail Damage Claims
Invisible ≠ Ignorable
Hail bruises shingles like a thumb bruises fruit — you can’t see it from the ground, but it’s shortening your roof’s life right now. We find it, chalk it, and get it paid.
Bruises Now, Leaks Later
A hail strike crushes granules into the mat and fractures it beneath — the bruise feels soft like a spot on an apple. Nothing leaks that week, which is why homeowners shrug it off; then UV eats the exposed mat and the roof fails years early. Insurance covers hail precisely because the damage is real — the industry standard is marking strikes in chalk test squares, and enough strikes per square means replacement, not patchwork.
Hail Doesn’t Stop At The Shingles
The same stones dent gutters and downspouts, crack cold vinyl siding, chew window wraps, and pepper AC fins — and every bit belongs in the claim. We document the complete exterior so the scope covers everything the storm touched, then meet the adjuster and supplement anything they miss. One of our recent hail claims: $136,747.92 paid, homeowner’s cost $2,233 — the deductible.
What Policyholders Ask Us Daily
What size hail damages a roof?
One-inch stones (quarter size) reliably bruise asphalt shingles — smaller can damage aging roofs and soft metals. If you found stones in the yard, the roof took thousands of them.
How long do I have to file a hail claim?
Policies commonly allow one to two years from the storm date, but waiting weakens claims and damage compounds. Free inspection now beats a denied claim later.
My neighbor got a new roof from the same storm — can I?
Very possibly. Hail swaths hit whole streets; if adjacent homes qualified, yours deserves the same test squares. We inspect free and tell you honestly either way.
What if my claim already got denied?
Denials get reversed with better documentation — proper test squares, slope-by-slope photos, and supplements. See our guide on why claims get denied, then let us take a second look.
What size hail damages a roof?
One-inch stones bruise most asphalt shingles; smaller hail damages aged or soft shingles. Density and wind-drive matter as much as diameter.
How long after hail can damage be claimed?
Filing windows typically run 1–2 years — but bruising weathers and evidence fades, so the free inspection belongs on this month’s calendar, not next year’s.
What does hail damage look like on shingles?
Dark bruises where granules crushed into the mat — soft to the touch, random pattern, paired with dented soft metals nearby that corroborate the storm.
Does hail damage always mean full replacement?
Not always — strike density per test square drives the repair-versus-replace call, which is exactly what claim-grade documentation establishes.
More Claim Types We Handle
Hail storms bring friends.
Hail Hit Your Area? Find Out Free.
Test squares, full-exterior documentation, and the whole claim handled.