Can Hail Really Damage My Roof?

When a hailstorm rolls through North Texas, it’s easy to check your car for dents—but your roof is another story. Hail damage on roofing can be sneaky, costly, and difficult to spot without climbing a ladder (which we don’t recommend doing yourself).

To help homeowners stay informed and avoid surprise leaks, here are answers to the most common questions about hail damage and what to do next.

1. What does hail damage on a roof actually look like?

It depends on the roofing material, but typical signs of hail damage on asphalt shingles include:

• Dark or black-colored impact marks
  
  
• Granule loss, exposing the roof felt
  
  
• Soft “bruises” on shingles
  
  
• Cracks or shiny areas on the asphalt mat
  
  

On wood shingles or shakes, look for orange-brown splits with sharp edges. On metal roofs or roof vents, dents and dimples are common.

If you’re not sure what you’re seeing, a free roof inspection can give you peace of mind.

2. How big does hail need to be to cause damage?

Generally, hail one inch or larger (about the size of a quarter) can damage asphalt shingles. However, even smaller hail can cause issues—especially on older roofs or if the storm includes high winds.

The bigger the hail, the greater the risk. At 1.5 to 2 inches, shingles can crack, flashing can bend, and vents or ridge caps may be punctured.

3. Is all hail damage visible right away?

No. In fact, some of the most serious hail damage goes unnoticed until months later—when a leak appears or shingles begin curling.

Common signs of hidden damage include:

• Granules piling in your gutters
  
  
• Water stains or mold in your attic
  
  
• Unexplained spikes in your utility bills
  
  
• Sagging in the roof deck
  
  

That’s why routine roof inspections after major storms are critical.

4. Will insurance cover roof hail damage?

Yes, most Texas homeowners insurance policies cover hail damage—but your payout depends on the policy type:

• Actual Cash Value (ACV): Covers the depreciated value of your roof, meaning you pay more out-of-pocket.
  
  
• Replacement Cost Value (RCV): Pays to fully replace your roof minus your deductible, with a second check after the work is complete.
  
  

To get the most out of your policy, our team at K&M Roofing helps homeowners navigate the claims process from start to finish.

5. How long do I have to file a claim?

Most policies in Texas allow up to one year after the date of loss, but you should check your specific insurance documents. Delaying a claim can result in a denial—especially if additional weather causes further damage.

Hail maps used by insurers track storms by date and location, so they’ll know if you waited too long.

6. Should I inspect my roof myself after a storm?

It’s understandable to want to check for damage, but climbing onto your roof is risky—especially if shingles are already compromised. Instead, inspect from the ground and look for:

• Dents in gutters, downspouts, or metal roof fixtures
  
  
• Damage to window screens, garage doors, or shutters
  
  
• Granules near the base of your downspouts
  
  
• Soft metal dings on A/C units or grills
  
  

If you see anything suspicious, book a free storm damage inspection with a qualified contractor.

7. Can hail damage really cause roof leaks?

Yes, but usually not immediately. Hail can bruise or crack shingles, loosen seals, or expose underlayment—creating vulnerabilities that lead to leaks over time.

Unchecked hail damage can result in:

• Water intrusion
  
  
• Mold or mildew growth
  
  
• Wood rot and insulation damage
  
  
• Premature roof failure
  
  

That’s why it’s crucial to repair or replace damaged areas early. Roof replacement is often covered by insurance if the damage is documented properly.

8. How do I get started if I suspect damage?

Here’s what to do:

1. Inspect your property from the ground
   
   
2. Take photos of any damage (screens, siding, gutters, etc.)
   
   
3. Contact a trusted roofer for an inspection
   
   
4. File your claim with supporting documentation
   
   
5. Schedule repairs with a certified contractor
   
   

At K&M Roofing, we handle both the inspection and hail & wind damage claims process, so you’re not left guessing what to do.

Protect Your Home Before Minor Damage Becomes Major

If you’ve experienced a hailstorm—even a mild one—don’t wait for leaks to show up before taking action. Small issues today can become costly repairs later.

Schedule your free inspection with K&M Roofing →
We’ll walk your roof, document the damage, and help you make an informed decision—without the sales pressure.

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