If you’ve been unfortunate enough to experience a hail storm, you’re likely wondering how to tell if your roof has been damaged. Hail can cause significant damage to roofs, and knowing how to spot hail damage ensures you get the necessary repairs ASAP. Some common signs of roof hail damage include:
- Cracked shingles
- Dented gutters, siding, or other exteriors
- Water leaks
- Loss of granules
When a hail storm strikes, checking for damage is vital so you can act fast on your hail damage roof repair. So, this guide should help you spot hail damage on your roof before it’s too late.
How to Identify Roof Hail Damage (6 Common Signs) 🔍
Some homeowners might think that hail needs to be golf-ball sized in order to cause significant damage— this is not the case. In fact, it’s the impact at which the hail hits your roof that causes the most damage. For example, a hail stone of just 2 inches in diameter can hit your roof at speeds exceeding 100 mph! 😱
So, if you do experience a hail storm of any capacity or sized stones, be sure to inspect your roof once it passes. While it can take a trained eye to spot minor hail damage, you can get the ball rolling and look for any obvious damage on your property. Here are some of the most common signs of roof hail damage you can look for:
1. Cracked Shingles or Flashing
Cracked shingles are a typical hail damage roof repair. Cracked shingles can be the result of hailstones impacting your shingle at high speeds as we mentioned. It’s possible to crack your shingle right in the middle after a hard impact or break off the corners of the shingles. These cracks, while minimal, make your roof much more vulnerable to leaks and other types of structural failure.
2. Dented Shingles and Exterior
Your roof isn’t the only place you can look to spot hail damage on your property. Take a look at your siding, landscaping, windows, or other parts of your home’s exterior. If you noticecracked windows on your home (or car) you could assume you’ll also find hail damage on your roof. Schedule a professional inspection at the first sign of hail damage to any portion of your home.
Discoloration on your roof is typically caused by loss of granules but can also indicate water damage that has seeped in through any cracks or damage. If one area of your roof looks darker than the rest, it could mean it was hit by an exponential amount of hailstones in one spot and thus weakened enough to cause water leaks.
4. Exposed Roof Decking
This one is a little more difficult to spot and definitely requires a professional roofing inspection. If you have any doubts, don’t hesitate to call in the experts. Exposed roof decking occurs when hailstones strip away the top layer of your shingle, revealing the wood or asphalt beneath it. This damage exposes your roof to further water damage.
5. Granule Loss
Granule loss is probably the most common and obvious sign of hail damage on a roof. Asphalt shingles have these protective granules as the top layer that protect the rest of the roofing material from the elements like:
- UV rays
Hail can impact shingles hard enough to slough off those granules. You might notice dark or bald spots on your shingles or even find granules in your gutters and downspouts— both of which are a tell-tale sign of granule loss.
6. Water Leaks
Water leaks are the most serious sign of hail damage on your roof and should be addressed immediately. Even a small leak can cause significant water damage to your home if left unaddressed. Water leaks can occur for a number of reasons, but if you live in an area that experienced a hail storm, it’s likely due to damaged shingles or flashing.
Does Homeowner’s Insurance Cover Hail Damage Roof Repairs? ⚒️
If you have homeowner’s insurance, you might be wondering if it covers hail damage roof repairs. The answer is maybe— it all depends on the specifics of your policy. Typically, standard homeowner’s insurance policies cover what is considered an “act of God,” and since hail storms are classified as such, there’s a good chance your policy will cover it. These coverages or perils include damages from:
- Aircraft or vehicles
- Falling debris like branches
- Fire or smoke
- Hail and windstorms
- Lightning strikes
- Weight of ice or snow
- Water damage
However, many factors can affect whether or not your homeowner’s insurance will or will not cover hail damage on your roof.
- The age of your roof (20+ years)
- If there was existing shingle damage
- The roof is in bad condition
- There are signs of failed repairs
- Poor maintenance and neglect
Whether or not you file an insurance claim, ultimately, a professional inspection is necessary to determine the extent of your hail damage and determine if you need to repair or replace your roof.
How Much Does Hail Damage Repair Cost Out of Pocket? 💸
If your insurance claim is denied or you want to consider paying out of pocket vs. dealing with higher premiums or other issues— you can pay for repairs out of pocket. But how much will that cost? Well, the best way to figure out repair costs is to look at your specific roofing materials’ average repair costs.
Likely, the shingles will just need to be replaced and perhaps some new roof decking laid and some patchwork for holes. To get a better idea of how much hail damage repair costs will run you, take a look at these average costs by roof material:
- Asphalt shingles: $90-175 per roofing square (100 sq. ft)
- Architectural shingles: $150-$300 per roofing square
- Standing seam metal roofing: $350-$450 per roofing square
- Corrugated metal panels: $150-$200 per roofing square
- Tile roofing: $300-$1,000 per roofing square
- Solar: $2,200+ per roofing square
Of course, the total cost of repairs will depend on the extent of the damage and how many square feet need to be replaced. These numbers are for a 100 sq. ft. area of the roof, but if it’s just a few shingles needing repair, you’re looking at a much lower out-of-pocket cost.
Preventing Hail Damage With Impact-Resistant Shingles 🛡️
While you can’t control inclement weather, you can help combat roof damage by installing better quality and more impact-resistant shingles. If you live in an area that experiences severe weather conditions, you might want to consider installing impact-resistant shingles. These are specially designed to withstand high winds and hail— which means they can help prevent or minimize damage to your roof from these types of storms. The benefits of impact-resistant shingles include:
- Reducing the frequency of needing roof repairs
- Extending your roof’s lifespan
- Boosting your home’s value
- Saving money on insurance premiums
Impact shingles are tested under stringent guidelines to determine that they are in fact Class 4 resistance shingles. This standardized test is known as the Underwriters Laboratory 2218 (UL 2218), a.k.a. “the steel ball test.”
This test drops a 2-inch steel ball from varying heights and measures how well (or poorly) a shingle holds up to it. UL assigns one of four ratings to a shingle following this test, with Class 4 being the best.
You Have Hail Damage— Now What? ⛈️
If you do a walk-through of your property and find you indeed have hail damage on your roof, you’re probably wondering what the best next step is. First, you should document anything you found. And second, reach out to a local roofer to schedule a FREE inspection.
It’s possible once you file an insurance claim, you may need to do another insurance adjuster inspection, but that can be compared against the contractor’s inspection to ensure you’re getting the coverage you need and nothing was missed.
Working with a professional roofing contractor can be your best bet at getting the proper coverage for your roof repairs, a thorough hail damage roof inspection, and a promising solution to bring your roof back to its original glory.
Getting Your Roof Repaired By a Quality Roofer
Even if you’re unsure whether you have hail damage, Mars Restoration is here to help. Our thorough inspections can uncover any and all roofing issues you may have and those that could lead to bigger problems down the road. We’ll get you an honest assessment and get your repairs scheduled as soon as possible.
Then, our efficient team can repair or replace your roof as soon as possible so you can get back to your life stress-free. To get started, contact us to schedule your FREE inspection today!