How Much Hail Damage Is Enough To Replace Roof?

Jan 25, 2024


When a hailstorm hits, it can cause significant damage to your property. The roof of your house, in particular, can bear the brunt of these icy projectiles. Understanding the types of hail damage, can help you assess the extent of the damage and determine whether a roof replacement is necessary. In this article, we will delve into the various types of hail damage.

Types of Hail Damage

Hail Bruising

One of the common types of hail damage is bruising. This occurs when hailstones, particularly large ones, strike the roof and cause depressions or dents. Hail bruising might not be immediately evident but can weaken the roof’s structure over time, leading to leaks or premature ageing of the roof.


Hailstones can sometimes hit the roof so hard that they cause cracks. This is often the case with asphalt shingles, which can crack under the impact of hail. Cracks can allow water to seep into the roof, leading to leakage and potential water damage inside the home.

Granule Loss

Another common type of hail damage is granule loss. Asphalt shingles are covered with granules that protect against the sun’s UV rays. When hailstones strike, they can dislodge these granules, reducing the roof’s protection and accelerating its wear and tear.

Shingle Damage

In severe hailstorms, the impact can cause shingles to break, tear, or even be completely dislodged. This exposes the underlying roof structure to the elements, leading to further damage if not addressed promptly.

Metal Roof Damage

Even though metal roofs are more resistant to hail damage than asphalt shingles, they are not immune. Hail can cause dents and depressions in metal roofs. This aesthetic damage might not affect the roof’s function, but it can degrade the home’s overall appearance and value.

Recognizing the types of hail damage is crucial for homeowners. If you notice any of these signs, it’s essential to have your roof inspected by a professional to determine the best course of action, which could range from roof repair to a full roof replacement.

How Much Hail Damage Is Enough to Warrant a Roof Replacement?

Hailstorms can inflict substantial damage on your roof, leading to costly repairs or even a full roof replacement. However, not all hail damage necessitates a total roof overhaul. Understanding the extent of damage that warrants a roof replacement is critical in making informed decisions.

Hail damage varies, depending on factors such as the hail size, wind speed, and roof type. For instance, a roof with asphalt shingles can sustain damage from a hailstorm of 1 inch diameter, while a metal roof may withstand larger sizes.

A few dents or marks from hail may not require a full roof replacement. However, if a significant number of shingles are cracked, missing, or loose, or the underlying roof deck is exposed or damaged, a roof replacement might be necessary.

Furthermore, if there’s a breach in the roof membrane leading to leaks inside your home, it’s a clear sign that your roof might need a replacement. Another critical factor to consider is the roof’s age; an older roof that has sustained hail damage might be a good candidate for replacement rather than repair.

In some cases, the extent of the hail damage might not be visible immediately after the storm. Some damages, like granule loss, might appear minor at first but can lead to severe consequences over time, including a shortened lifespan of your shingles. Therefore, it’s advisable to have a professional roof inspection after a hailstorm to accurately assess the damage.

Remember, every roof is unique, and the need for a replacement varies based on its condition and the extent of the damage. Therefore, if your roof has hail damage, consult with a professional roofer or your insurance provider to determine the best course of action.

In conclusion, while minor hail damage might only require repair, serious damage including multiple damaged shingles, leaks, and damage to the underlying structure usually necessitates a roof replacement. An accurate assessment by a professional is crucial in making this determination.

What to Expect After a Hail Storm

Hailstorms can be incredibly destructive to your home’s exterior, especially your roof. It’s crucial to know what you can expect after a hailstorm and understand the immediate steps to take in order to protect your property and prepare for necessary roof replacement or repair.

Visual Signs of Hail Damage

Once the storm has passed, start by performing a visual inspection of your property. Hail can cause noticeable damage to the roof, such as dents and cracks. You may also notice discolored patches or spots where granules from the shingles have been knocked off. Other signs can include broken or missing shingles and damage to gutters or downspouts.

Indoor Signs of Hail Damage

Hail damage isn’t always visible from the ground. Sometimes, it can lead to issues inside your home. Watch out for signs of water damage such as leaks, water stains on your ceilings or walls, and damp insulation in your attic. These are clear indicators that your roof was compromised during the hailstorm.

Check Other Property

Damage to other parts of your property can also indicate the severity of the hailstorm. Check your vehicle, outdoor furniture, and landscaping for signs of hail impact. If these areas are significantly damaged, there’s a high chance your roof has suffered as well.

Possible Need for Roof Replacement

If you notice substantial damage, a roof replacement may be necessary. Minor hail damage might only require repair, but severe or widespread damage could mean that a replacement is the most cost-effective and secure solution. Always reach out to a professional roofing contractor to assess the situation and provide recommendations.

Preparing for Insurance Claims

After a hailstorm, it’s also important to prepare for potential insurance claims. Document the damage with photos and detailed notes. Include the date of the storm, the size and type of hailstones, and any relevant information about the storm’s intensity and duration. This documentation will be valuable when filing a claim for your roof replacement.

Remember, safety comes first. If you suspect severe damage, avoid going on the roof yourself and instead consult a professional. Recognizing what to expect and how to react after a hailstorm can ensure timely roof repair or replacement and prevent further damage to your home.

How to Assess Hail Damage

Assessing hail damage on your roof is essential in determining whether a roof replacement is necessary. This knowledge can also be useful when filing a claim with your insurance company. Here is a step-by-step guide on how to accurately assess hail damage on your roof.

1. Start Inside

Firstly, check for any signs of leaks or water damage in your attic or ceiling. These could be indicators of a severely damaged roof. Look for damp spots, discoloration, or peeling paint, which could suggest water infiltration.

2. Inspect the Roof Surface

Carry out a visual inspection of your roof. Look for any visible damage, such as dents or pockmarks caused by hail. Use binoculars if your roof is high or steep to avoid safety risks. Also, take note of any missing or bruised shingles. Asphalt shingles affected by hail often appear darker due to the loss of granules.

3. Examine the Metal Components

Hail often leaves dents on metal surfaces. Therefore, inspect elements such as roof vents, flashings, or metal valleys for any signs of hail impacts. These signs can serve as proof of hail damage when negotiating with your insurance provider.

4. Check the Gutters and Downspouts

Inspect your gutters and downspouts for dents or other visible signs of damage. In severe cases, hail can also cause clogging by filling the gutters with loose granules from the damaged shingles.

5. Professional Roof Inspection

If you’re uncertain about the extent of the hail damage or uncomfortable doing the inspection yourself, consider hiring a professional roofing contractor. They have the expertise and tools to thoroughly assess the damage and recommend whether a roof replacement is necessary.

Remember, it’s crucial to assess hail damage as soon after the storm as possible. This allows for prompt roof repair or roof replacement, preventing further damage to your home. Additionally, it can expedite the insurance claim process if needed.

What to Do If You Have Hail Damage

If you have recently experienced a hail storm and suspect that your roof may have been damaged, it’s crucial to take immediate action to prevent further issues. Here are some steps you should take:

Inspect your Property

First, you’ll need to inspect your property and evaluate the extent of the damage. Look for signs of hail damage such as dents or holes in your gutters, downspouts, or siding. If it’s safe, inspect your roof for missing, damaged, or broken shingles. You may also find shingle granules in your gutters, which could be a sign of extensive damage.

Contact a Roofing Professional

Next, you should contact a roofing professional to inspect your roof thoroughly. They have the expertise to accurately assess the extent of the damage, and can advise whether a roof repair or a full roof replacement is necessary. It’s important to do this quickly, as insurance companies often have a deadline for filing claims related to storm damage.

Document the Damage

Take pictures and video of the hail damage for your records. Documenting the damage is crucial when you’re filing an insurance claim, as it provides proof of the extent and nature of the damage.

Contact your Insurance Company

After documenting the damage and receiving a professional assessment, contact your insurance company. They will likely send an adjuster to inspect the damage before you file the claim. Be sure to provide them with all the necessary documentation to support your claim.

Having hail damage can be stressful, but knowing what steps to take can help you navigate the situation effectively. By promptly assessing and documenting the damage, contacting a roofing professional, and dealing with your insurance company, you can ensure that you get the most out of your coverage and get your roof back in shape as soon as possible.

How to File a Hail Damage Claim

In case of a roof replacement due to hail damage, you’ll need to make a claim with your insurance company. This process might seem daunting, but by following these steps, you can ensure a smooth and efficient process.

Document the Damage

Begin by documenting the damage as this will be useful in your claim. Take photographs and make notes of the extent of the damage. Remember to include close-up shots as well as wider views that show the full scope of the hail damage involved.

Contact Your Insurance Company

Next, get in touch with your insurance company to report the hail damage. This should be done as soon as possible to prevent any delay in the roof repair or replacement process. You’ll need to provide your policy number, and they will guide you through the claim filing process.

Complete the Claim Form

Your insurance company will provide a claim form for you to fill out. This usually involves detailing the nature and extent of the damage. The form may also ask for information about the condition of your roof before the hail storm.

Arrange for an Insurance Adjuster Visit

After filing the claim, the insurance company will typically send an adjuster to your home to inspect the hail damage. The adjuster will assess the extent of the damage and determine whether a roof replacement is necessary. If possible, it’s advisable to have your roofing contractor present during this inspection to ensure accurate evaluation.

Receive Settlement

If your claim is approved, your insurance company will issue a payment for the roof replacement. It is essential to carefully review the settlement to ensure it covers all necessary costs.

Review the Claim

Once the process is finished, review the claim carefully. Ensure that everything is accurate and that all hail damage is covered. If there are any discrepancies or if you’re unhappy with the claim result, it’s within your rights to dispute the decision.

Filing a hail damage claim for roof replacement can seem complicated, but it’s a necessary step in ensuring your roof is properly repaired. Always remember to document the damage, act quickly, and work closely with your insurance company for the best results.

What to Expect from Your Insurance Company

One of the first steps after identifying hail damage on your roof is to contact your insurance company. However, it’s important to know what to expect during this process to ensure you get the most out of your roof replacement coverage.

Inspection of the Damage

The first thing your insurance company will likely do is send an adjuster to inspect the damage. The adjuster will assess the extent of the hail damage and determine whether a roof replacement is necessary. Remember, it’s recommended to have a professional roofing contractor present during the inspection to ensure all damage is accurately recorded.

Estimation of Costs

Post inspection, your insurance company will provide an estimate of the roof repair or replacement costs. This estimate is based on the extent of the damage and the type of roof you have. Keep in mind, the amount you’re quoted may be lower than the actual cost of replacement, as insurers often account for depreciation.

Claim Approval or Denial

Once the damage assessment and cost estimation have been completed, your insurance company will either approve or deny your claim. If your claim is approved, you can proceed with the roof replacement. However, if it’s denied, you have the right to dispute the decision and can ask for a second inspection.


After your claim is approved and the roof replacement has been carried out, your insurance company will reimburse you for the expenses. The reimbursement process may vary, with some insurers paying the contractor directly, while others may reimburse you after you’ve paid for the services.

Policy Renewal

It’s important to note that a hail damage claim could potentially impact your policy renewal. Some insurers may increase your premiums, while others may not renew your policy, particularly if you’ve had multiple claims within a short period. Therefore, it’s essential to discuss this with your insurer before filing a claim.

In conclusion, dealing with an insurance company after a hail storm can be challenging. But, knowing what to expect can help simplify the process and ensure you receive the maximum payout for your roof replacement.

How to Get the Most From Your Roof Replacement

When it comes to roof replacements after hail damage, it’s essential to make the most out of your investment. Here are some tips to ensure you’re maximizing the benefits of your new roof.

Choose Durable, Quality Materials

Ensure you select high-quality, durable materials for your roof replacement. While these may cost more upfront, they are more likely to withstand harsh weather conditions, including hailstorms, and last longer. This choice reduces the likelihood of needing another replacement in the near future, saving you money in the long run.

Hire a Reputable Contractor

Hiring a reputable contractor is critical in getting the most from your roof replacement. A skilled and experienced contractor will ensure the job is done right the first time, reducing the risk of future problems. They can also advise on the best materials to use according to your area’s weather conditions and your budget.

Understand Your Warranty

Many roofing products come with a manufacturer’s warranty, which can provide additional protection for your investment. However, these warranties could become void if the roof is not installed correctly. Therefore, understanding your warranty and ensuring your contractor installs the roof per the manufacturer’s instructions is vital.

Maintain Your New Roof

Regular roof maintenance is key to prolonging its lifespan and performance. This includes regular inspections for hail damage, especially after a severe storm, and immediate repair of any identified issues. Regular roof cleaning can also help keep your roof in good shape and make it easier to spot potential problems.

In conclusion, to get the most from your roof replacement, opt for quality materials, hire a reputable contractor, understand your warranty, and commit to regular maintenance. By implementing these steps, you can maximize your investment and ensure your roof stands the test of time.

Big G Roofing