⛈ Hail Risk Score

What Hail Does to a Roof

Hail strikes dent metal flashing and ridge caps, bruise the fiberglass mat beneath asphalt shingles, and knock loose the protective granule coating. Even hailstones under an inch can strip granules — the first line of UV defence — and leave micro-cracks that let moisture reach the deck. Larger stones (1.5"+) visibly crack or puncture shingles outright. Damage is not always visible from the ground; a professional inspection is the only reliable way to assess the full scope.

Why Risk Scoring Matters

A hail-risk score based on 10 years of NOAA storm history helps homeowners understand long-term exposure — not just last season's weather. High-risk scores (7–10) indicate counties that see frequent large hailstorms, making regular inspections and timely claim filings more important. Lower scores still warrant attention after any known storm event. Risk scoring also helps roofing contractors prioritise outreach in areas most likely to need post-storm assessments.

After a Hail Event: What to Do

• Photograph the exterior — siding, vehicles, AC unit — to establish date-stamped evidence of impact.
• Check gutters and downspouts for granule accumulation, a reliable sign of shingle damage.
• Contact your homeowner's insurance company to report potential damage and open a claim.
• Schedule a professional roof inspection before any permanent repairs; the inspector's findings document the scope for your insurer.
• Avoid signing any contractor's contract on the spot — get at least one written estimate and verify the contractor is licensed and insured.

Insurance and Hail Claims

Most standard homeowner's insurance policies (HO-3 and similar) cover sudden damage from hail and wind, but exclude gradual wear and tear. Key facts:

• Filing windows vary by insurer — typically 12 months from the storm date. Check your policy.
• An adjuster will inspect and estimate; having an independent contractor's assessment helps ensure the scope isn't underestimated.
• Some policies use Actual Cash Value (ACV) — depreciated value — rather than Replacement Cost Value (RCV). Know which applies to your roof.
• Thorough documentation (photos, dates, repair estimates) is the single biggest factor in a successful claim.