What does roof hail damage look like?

hail damage to a roof

How can you tell if you have hail damage?

Florida may be the sunshine state, but it also gets its share of bad weather, including hailstorms and high winds. Homeowners here, like in other states that experience hailstorms have hail damage roofs. And that too leads to concerns and confusion about what to do when there is roof damage by hailstorms.  With that, we offer answers and recommendations to the following questions: 

When a hailstorm passes over your home, it typically lasts only a few minutes, it seems to go on forever. Once it passes and the rains have stopped, as a homeowner, you need to go outside and look at your home and property, checking for hail damage. From the cars, plants, and trees to possibly a hail damage roof. 

There is no question that a hailstorm can be destructive, and when it comes to roof hail damage, what to look for is important to know. Are you seeing average wear and tear on your room or is that what roof hail damage looks like? Different roofing materials will react differently from being struck by hailstorms, and here we offer the basics of what to look for in a hail damage roof: 

Asphalt and Composition: 

  • Hail damage roof is random with no obvious pattern.
  • Hailstone hits are usually visible by black marks.
  • An apparent loss of granules that can leave the roof felt exposed.
  • Asphalt or the felt mat has shiny appearance. 
  • Hailstone hits are soft, similar to bruised fruit. 

Wood Shingles 

  • Hail damage roof is random with no obvious pattern.
  • Shingle splits are a brown to orange color.
  • Shingle splits leave sharp corners and edges.
  • Shingle splits have minimum to no edge deterioration.
  • Impact dents or marks are left along the shingle splits.

Thing you may notice on your roof that isn’t hail damage roofing is a brittleness of the shingles.  This comes from everyday UV and weather exposure, not from the hailstorm. You may notice bare spots on the asphalt shingles, which could be hail damage roofing, but granule loss is also from aging, along with blistering, cracking, and flaking. Another character you may notice that isn’t hail damage roofing is algae growth. 

Other things to look for when inspecting your home for hail damage rooftop are: 

  • Dented gutters, downspouts, and gutter screens
  • Siding, window casings and windowsills
  • Outdoor part of air conditioning unit 
  • Deck and any painted surfaces
  • Skylights
  • Pipes and vents

How big must hail be to damage roof?

In 2020, over 4,600 hailstorms passed through the United States according to NOAA.  With the average size of a hail stone around one inch or bigger in diameter, that amount of storms can leave a lot of hail damage roofs in its wake.  How big of a hailstone does it take to leave a hail damage rooftop? 

  • Pea Size  = quarter inch in diameter
  • Marble Size = half inch in diameter
  • Dime or penny size = three-quarter inch in diameter 
  • Nickel size = seven-eighth inch in diameter
  • Quarter size  =one inch in diameter
  • Golf Ball Size  = one and a half inches in diameter
  • Tennis Ball Size = two and a half inches in diameter
  • Baseball Size = two and three-quarters of an inch in diameter
  • Teacup Size  = three inches in diameter
  • Softball Size = four inches in diameter

Should I replace my roof after hail?       

Maybe, maybe not.  If there is severe and significant hail damage roofing, it isn’t necessarily cut and dry. There are complexities and considerations with roof hail damage, when to replace and what it is going to cost you out of pocket after what the insurance company pays, can create a conundrum for a homeowner. Then you add in the push from roofing contractors, legitimate local roofers, and those fly-by-the-night roofing contractors, along with the insurance companies.  

Should I file a claim for hail damage?

Take your own inspection, match it to a professional roofer’s inspection and determine if it is worth calling the insurance company to have them inspect for hail damage roofing.  If your inspection and the roofer’s inspection deem that you do have a hail damage roof, then yes, call your insurance company. 

Take pictures and notes yourself, have the roofing contractor take pictures and provide a written estimate. Share this with the insurance adjuster. If possible, have the roofing contractor present when the adjustor does their inspection. 

hail on a roofing system

Do insurance rates go up for hail damage?

The answer is maybe, maybe not. Homeowner insurance rates do not always increase when hail damage roof claims are file. Obviously, you didn’t cause the weather event that damaged the roof, nor could you prevent it, so it isn’t from homeowner neglect. 

What the insurance company will pay could be affected by the age of your roof though.  If your roof is near its end-of-life, and then hail damage occurs, they may see it as if the roof were replaced sooner, the damage wouldn’t be as severe. Thus, they pay only a fraction of what a  new roof will cost you. Call (850) 566-6504 today for your hail damage needs in Tallahassee, FL.