Home Services
Hail Damage on Your Roof
Published September 24, 2026 · Last updated September 30, 2026
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The short answer
Hail can damage a roof without causing a leak right away. Bruised shingles, lost granules, and cracked vents can let water in months later. After a hailstorm, check for damage, document it, and call your insurance company before you sign with a roofer.
Hail is usually covered by homeowners insurance if you have wind and hail coverage, after your deductible.
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Signs of hail damage
From the ground, and safely, look for:
- Dented gutters, downspouts, and vents
- Granules (the sandy coating on shingles) collecting in gutters or at downspouts
- Dark spots or bruises on shingles where granules were knocked off
- Cracked or split shingles, or broken tiles
- Dented metal on flashing or a metal roof
- Damage nearby, like dented cars, siding, or window screens
Don't climb on a roof after a storm. A roofer or an insurance adjuster can inspect it safely. See roof inspection.
What to do after a hailstorm
The Texas Department of Insurance suggests:
- File a claim quickly.
- Take photos or video of the damage, and make a list of everything damaged inside and outside.
- Make temporary repairs to prevent more damage, like a tarp over a hole, and save all receipts. Your policy may pay for them.
- Be available for the adjuster, and make sure they see all the damage.
- Keep a list of everyone you talk to at your insurance company.
Don't wait too long. Some policies have a deadline, like one year, to file a claim unless you can show good cause for a delay. Check your policy.
How insurance handles hail
- Coverage. Hail damage to your home needs wind and hail coverage on your homeowners policy. Hail on your car needs comprehensive on your auto policy.
- Deductible. Many policies have a separate wind and hail deductible, often a percentage of your home's coverage. A 2% deductible on a $300,000 home is $6,000.
- Replacement cost vs. actual cash value. Replacement cost pays today's cost to fix the roof. Actual cash value pays less for an older roof.
- Cosmetic damage. Some policies, especially ones with a metal roof discount, exclude dents that don't affect how the roof works. See metal roofs.
- Wear and tear isn't covered. Insurance won't pay for a roof just because it's old.
Hiring a roofer after hail
After a big storm, out-of-town crews often go door to door. Some do good work. Others are gone before problems appear.
- Call your insurer first, before you sign anything.
- Don't let a roofer pay or waive your deductible. In Texas, it's illegal. Georgia's Attorney General calls it a red flag. See Texas roofing laws and Georgia roofing.
- Don't sign anything that lets a roofer handle your claim. In Texas and Florida, roofers generally can't act as your adjuster unless they hold a public adjuster license. See Florida roofing laws.
- Get more than one written estimate. Here's how to compare roofing estimates.
Repair or replace after hail?
Minor hail damage may be repairable. Widespread bruising or granule loss often means replacement, especially on an older roof. Insurers usually decide based on the adjuster's inspection. If you disagree, ask how to request a re-inspection. See roof repair and roof replacement cost.
The catch: a hail-resistant (impact-rated) roof can cost more up front, but may earn an insurance credit. If you're replacing after hail, ask your insurer about the credit before you pick shingles.
Keep reading
Hail in Texas? See Dallas homeowners insurance and Houston roof replacement. Car dented too? See what comprehensive covers.
More roofing guides: Roof replacement cost · Roof inspection · Roof repair · Metal roofs · How to compare roofing estimates · How to measure your roof · Roof calculator
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Sources
- Texas Department of Insurance, Hail damage? Tips to file an insurance claim
- Texas Department of Insurance, Hail damage to your home or car? What to do next
- Texas Department of Insurance, Insurance and your roof
- Texas Department of Insurance, Roofing and insurance: Know the law
- Texas Department of Insurance, Home insurance guide (claim deadlines)
- Texas Department of Insurance, What to know about insurance and your roof (cosmetic damage)