Hail & Storm Damage
Roofing Guides

Learn the 7 visual signs of hail damage — from circular bruises on shingles to granule loss in gutters — and why ground-level inspection alone misses 80% of qualifying damage.

Step-by-step: document the storm date, photograph gutters and soft metals, schedule a professional inspection before the adjuster, and file within your policy window.

We ran the math for 12 major hail markets: insurance discounts, upgrade cost, and payback period. The answer is almost always yes — with one key caveat.

Your first 24 hours after a hail event determine your claim outcome. Here's the documented checklist professional adjusters wish every homeowner followed.

Ridge cap displacement, lifted shingle tabs, and exposed underlayment strips are the big three — but two subtler signs catch most homeowners off guard.

Insurance adjusters look for 8 distinguishing characteristics. Knowing them means you can assess your own roof intelligently — and push back if an adjuster dismisses real damage.

Technically yes, if you have replacement cost coverage and a qualifying storm event. Here's exactly how it works — and the deductible math you need to know first.

Print this before storm season. 22 documented inspection points, how to photograph them, and which ones matter most to a homeowners insurance adjuster.

Most policies require 60–90 days from storm date — not discovery date. Here's why that distinction matters and what happens if you miss the window.

Typical timeline: 3–8 weeks from inspection to payment. What causes delays, what you can do to speed it up, and what 'supplementing' means for your settlement.