What should I look for after a hail storm?
Start with what you can see from the ground. Look for dents in gutters, downspouts, vents and window screens, and check for shingle granules collecting in the gutters or at the bottom of the downspouts. Any of these can mean the roof was damaged as well, and a roof inspection is the best way to find out.
Check the gutters, vents and screens
Hail that damages shingles will often leave visible dents in aluminum gutters, downspouts, roof vents and the metal flashing around a chimney. These are easier to see from the ground than damage to the shingles themselves.
Window screens, air conditioning units, mailboxes and garage doors can also show hail marks. An insurance adjuster will usually look at these items as well.
Look for granules in the gutters
Asphalt shingles are covered in granules that protect them from the sun. Hail can knock these granules loose, and they wash into the gutters and out of the downspouts.
Some granule loss is normal as a roof ages. A large amount after a storm, especially along with dented gutters, is a sign the roof should be inspected.
Do not wait too long
Insurance policies have deadlines for filing a claim, and storm damage can be harder to document as time passes. Write down the date of the storm and take photos of any damage you find.
A damaged roof can also start to leak the next time it rains, which can lead to interior damage.
Choose a contractor carefully
After a large hail storm, many roofing crews come into the area. Before you sign anything, ask for references, check the company’s reviews and make sure they will be around to stand behind the work.
Related Questions
Should I get on the roof myself?
No. Climbing onto a roof is dangerous, especially when it is wet or steep. The signs in this guide can all be checked from the ground.
Does an inspection commit me to filing a claim?
No. An inspection tells you whether there is damage. You decide whether to file a claim.
How long do I have to file a claim?
It depends on your policy, and the deadline is usually counted from the date of the storm. Check your policy and schedule an inspection as soon as you can.
