Hail storms can cause damage that is not immediately visible from the ground. A methodical inspection helps you document conditions, assess urgency, and have an informed conversation with your insurance adjuster and roofing contractor.
Safety first
Do not climb onto your roof. Use binoculars from the ground or a ladder to inspect edges and gutters. If you are not comfortable on a ladder, hire a licensed roofing professional for the inspection.
What to look for on shingles
- Circular dark spots or bruises where granules are knocked off
- Cracked or broken shingle edges
- Dents or indentations visible at an angle
- Exposed asphalt or fiberglass mat beneath missing granules
- Granules collecting in gutters or at downspout bases
Check the soft metals
Metal components show hail impact more clearly than shingles. Inspect gutters, downspouts, flashing, roof vents, and HVAC fins for dents. These are strong evidence of hail impact even when shingle damage is subtle.
Inspect siding and windows
Walk around the house and check vinyl, aluminum, or wood siding for cracks, chips, or dents. Examine window frames and screens. Damage to multiple surfaces supports a hail claim.
When to call insurance
If you find clear hail damage across multiple surfaces, document everything with dated photos, then contact your insurance company. Most policies have a time limit for filing hail claims. Get an independent assessment before committing to any repair contract.
Get an independent read on your damage
Property Claim Guide can help you understand the severity and likely cost range before you talk to insurance or contractors.