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Hail damage isn't always obvious from the ground. Look for dented gutters, downspouts, or AC units—if these have damage, your roof likely does too. Professional inspection is crucial because subtle shingle bruising and granule loss aren't visible to untrained eyes but will cause future leaks.

Most homeowners insurance policies cover sudden weather-related damage like hail. However, coverage depends on your policy terms, deductible, and whether damage is severe enough to warrant replacement. We work directly with insurance companies to document damage and advocate for proper coverage.

Most insurance policies require claims within 1 year of the damage date, but filing sooner is better. Waiting allows damage to worsen, making it harder to prove it resulted from a specific storm. We recommend inspection and claim filing within weeks of a significant hail event.

It depends on the extent of damage. Widespread hail damage typically requires full roof replacement because affected shingles have compromised weather resistance. Limited damage to small sections may qualify for partial repairs, but insurance companies often prefer consistent appearance through full replacement.

Generally, hail 1 inch or larger (quarter-sized) can damage standard asphalt shingles. Golf ball-sized hail (1.75 inches) or larger typically causes severe damage. However, older roofs or high-wind conditions can sustain damage from smaller hail. Professional inspection is the only way to know for certain.

If insurance approves your claim, you typically pay only your deductible. Weather Shield Roofing works with your insurance company to ensure proper coverage. We also offer financing options if needed. Never let cost prevent you from addressing hail damage—delayed repairs lead to more expensive problems.