Storm Damage

How to Tell If Your Roof Has Hail Damage

Hail marks are not always obvious, and not every dark spot or missing granule is storm damage. Start with safe ground-level observations and a documented inspection.

Start safely from the ground

After conditions are safe, photograph visible changes to downspouts, gutters, vents, and roof edges. Look for fresh debris, displaced shingles, or metal components with new dents. Do not climb onto a wet, steep, or compromised roof.

Interior water staining can be important, but it does not prove hail caused a leak; water can travel before becoming visible.

What a closer review considers

A qualified inspection considers the pattern and condition of roofing, soft metals, flashings, and other accessible components. It also separates recent impact indicators from wear, foot traffic, manufacturing variation, and prior damage.

  • Note the storm date and address.
  • Take wide and close photos without altering the area.
  • Save temporary-repair receipts.
  • Avoid signing documents you do not understand.

Document before deciding

Only an insurer determines coverage under a specific policy, and an inspection cannot promise a claim outcome. Prompt documentation can help you understand repair needs and prepare for an adjuster visit if you choose to file.