Hail damage: a practical plan after the storm

Let the storm pass completely

Keep following weather information even when the hail stops. More severe weather can follow. Once it is safe, look at your property from the ground; do not turn the first inspection into a ladder or roof-access project.

A dented gutter or scattered granules is an observation to record, not a stand-alone verdict that the roof needs replacement. Ask a provider to explain the evidence behind any recommendation.

Build a simple storm record

Make one folder with the date, ground-level photos, indoor leak photos where safe, and receipts. Keep original files. Note what you observed directly and separate it from what someone told you.

If you have earlier photos or maintenance records, keep them alongside the new observations. Do not manufacture a storm date or describe damage you have not seen.

• Approximate storm date and time
• Exterior observations from safe locations
• Indoor changes or leaks
• Previous roof work and existing warranties

Ask for an explanation, not just a conclusion

Before an inspection, confirm any fee and whether the visit commits you to further work. Request photographs, the areas inspected, the limits of the inspection, and an explanation of repair and replacement options.

Compare written scopes from more than one provider when practical. A proposal should describe the work, materials, price, and expected timing. Do not let urgency turn into pressure to sign an unclear contract.

Discuss your actual policy with your insurer

Ask your insurer which reporting requirements, deductibles, and roof provisions apply to your policy. Coverage and claim outcomes depend on the policy and the facts; a roofer's opinion does not guarantee an insurer's decision.

For Texas homeowners, the Texas Department of Insurance explains roof coverage issues including depreciation and wind/hail deductibles. Elsewhere, consult your insurer and state insurance department. Keep a record of the instructions you receive.