Hail and Roof Damage Insurance Claims
Hail is one of the most common causes of roof damage in the US. Knowing how to identify and document hail damage protects your claim.
Identifying Hail Damage
- Round impact marks on shingles (bruising beneath surface)
- Granule loss exposing dark asphalt underneath
- Dents on gutters, downspouts, AC units, and siding
- Cracked or broken skylights
- Soft metal (flashing, vents) shows clear dents
Act Quickly -- Deadlines Matter
Most policies require you to report hail damage within 1-2 years. In Texas and Colorado -- high-hail states -- some insurers are stricter. Do not wait.
Get a Professional Roof Inspection
Hire a licensed roofing contractor to inspect and document damage before the adjuster arrives. Their report serves as independent evidence. Be cautious of storm-chaser contractors offering to waive your deductible -- this is often fraud.
Claim denied or underpaid? Free consultation at Louis Law Group.