How to know if your roof has hail damage and what to do next

Hail is a weather phenomenon that frightens homeowners. It can damage a roof, often leaving subtle marks that may later turn into significant damage, compromising the structure's integrity. Specialists at Roofing & Siding in Cape Cod explain how to identify signs of hail damage and avoid unwanted consequences.

What does hail damage on a roof look like?

The appearance of damage varies, depending on the type of roofing. On metal roofs, there may be dents, scratches, uneven areas, and depressions. On soft asphalt shingles, cracks, sunken areas, and indentations become noticeable. Severe hail can even cause holes and tears.

It’s also important to inspect joints and overlaps, which can become uneven or deformed. Roof eaves often suffer as well, developing bumps and chips.

Signs can also be seen on the gutter system. After heavy hail, gutters may have dents, chips, and cracks. Sometimes gutter fastenings are affected—they may bend or shift from their original horizontal or vertical positions.

If the roof looks intact from the outside (for example, if the inspection was not thorough or access to remote areas of the roof is limited), check the house—its façade, windows, and doors. You might notice torn mosquito screens, defects in siding or vinyl trim around window frames, chips in glass, or broken panes. If you see clear damage to the building, the roof likely wasn’t spared from hail either.

Next, we’ll look at signs of hail impact on two types of roofing.

Hail damage on asphalt and composite shingles

On this type of roof, you may notice:

  • the presence of black granules;
  • damage that occurs without any other mechanical impact (except for the hail);
  • loss of pieces of the asphalt covering, which can partially expose the insulation (roofing felt);
  • shine of unknown origin;
  • dents resembling those left on vegetables or fruits (like pressing with a finger).

Hail damage on wooden shingles

On a wooden roof, you may notice:

  • cracks, such as dark, reddish, or brown (depending on the type of wood);
  • dark spots on the wood;
  • pits or indentations;
  • splinters on the roof surface;
  • areas of cracking with sharp edges and corners;
  • broken or chipped edges.

Can a roof damaged by hail be repaired?

A roof affected by bad weather can be repaired. The complexity of the repair depends on the extent of the damage. If the damage is minor and localized, it may be enough to replace a few shingles or metal panels. Small defects, such as minor cracks or punctures, can be fixed without removing the material. For this, a specialist fills them with roofing cement. Dents can also be leveled without dismantling the roof. If the damage is severe, a major repair or even reconstruction may be required. In some cases, a complete roof replacement is necessary.

To determine whether restoration is needed and what level of intervention is required, consult a roofing specialist. They will conduct a comprehensive inspection and identify all concerning signs, their severity, and possible solutions.

Hail-induced leaks must be addressed immediately to prevent water from entering the attic or living spaces and to avoid mold growth. Roof patches are used to repair leak spots. To prevent leaks in vulnerable areas, new waterproofing is installed around any existing holes. These areas include chimneys and ventilation openings. If there are issues with fastenings, they must also be corrected.

Important! After the repair, the specialist performs a follow-up inspection to ensure that all damage has been properly fixed and that the roof is securely attached to the frame.

Will insurance replace your roof damaged by hail?

Will repairs be covered by insurance? It depends on the type of insurance policy—RCV or ACV. Both options provide compensation for hail damage but differ significantly in payout amounts.

An ACV policy is an actual cash value policy. Insurance will pay an amount equal to the current residual value of the roof damaged by the storm. This is the sum the roof is valued at now, and it is unlikely to cover all expenses.

RCV insurance is a replacement cost policy. The payout helps replace the damaged roof with a new one. The homeowner receives an estimate of work and a check indicating the actual cost of the roof. The insurance company deducts recoverable depreciation. You carry out the repair with the allocated funds, provide the insurer with proof (e.g., photos), and receive compensation that covers the remaining costs fully or to a large extent.

When does hail damage require a roof replacement?

It depends on the number and size of hailstones. The minimum diameter that causes noticeable damage to asphalt shingles is about 2.5 centimeters. Small hail can also cause damage if hailstorms are frequent in the region, but the effects are less obvious and develop over time.

After a major hailstorm that leaves visible damage compromising the roof’s integrity, you can file a claim with your insurance company and request a full roof replacement, if your policy allows it.

What happens if you ignore roof repairs?

Without timely repairs, even damage that doesn’t compromise the roof’s integrity can lead to leaks. This can result in ice buildup, water penetration into the attic and living spaces, mold growth, and the appearance of mildew. Moisture can also reach electrical wiring, increasing the risk of short circuits. Another likely problem is rot and deterioration of wooden structures, including load-bearing ones.

Important! Severe consequences of ignoring repairs include destruction of the building’s frame, fires caused by faulty electrical wiring, and rapid spread of mold (including fungi that are hazardous to health).

Questions and Answers

Will hail cause a roof leak?

Minor damage does not usually cause leaks. However, after large hailstones, especially when driven by wind, through-holes and punctures can occur, which lead to leaks. Even minor damage, though, requires a careful roof inspection by a Roofing & Siding specialist in Cape Cod. They will determine the severity of the problem and carry out the necessary repairs.

What should you know before filing a hail damage insurance claim?

To file a claim, the minimum hailstone diameter must be 2.5 cm. Proving this can be difficult, and supporting photos or the expertise of a claims specialist may help. Keep in mind that you should contact your insurer within one year after the storm, unless your policy states otherwise. The company may verify the hail event and compare it with a hail map. After identifying the affected area, the firm will check whether there was a dwelling in that zone.

Dmitry Labkovich

Dmitry Labkovich


Since 2002, I have dedicated my career to construction, starting as a cleanup worker and laborer. Despite tough conditions, I quickly mastered roofing and siding, and within six months, I was handling complex tasks. Later, I became a subcontractor, growing the business with a partner and expanding our team.

In 2011, I founded Roofing and Siding of Cape Cod and Boston. At the same time, I continued working with major firms, building a reputation through high-quality work and excellent service. In 2010, I joined the Coast Guard Reserve, which helped me develop leadership skills. Before my deployment in 2018, I built a reliable team that ensured steady company growth.

Today, Roofing and Siding of Cape Cod and Boston is a team of 30+ professionals, all OSHA-certified. We continue to expand while maintaining top-quality standards and exceptional customer service.

**Experience & Expertise**

- 20+ years in the roofing and siding industry
- Hands-on experience from laborer to business owner
- Managing a team of 30+ professionals
- Business development and client relations

**Education & Certification**

- Practical training in roofing and siding techniques
- OSHA safety certification
- Coast Guard Reserve service experience
- Ongoing professional development in construction

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