How to Identify Hail Damage on Your Roof (Without Climbing It)
A ground-level inspection guide to spotting hail damage on asphalt, metal, and tile roofs — with the collateral clues insurers look for.
Hail damage isn't always visible from the ground, but the collateral clues almost always are. If you spot three or more of the signs below within 48 hours of a storm, get a professional inspection.
Ground-level clues that predict roof damage
Dents in gutters, downspouts, and metal flashing. Hail hits leave round dents — sharper impacts suggest larger stones.
Split or bruised wood on decks, fences, and playsets.
Damaged AC condenser fins on ground units and split window screens.
Loose granules pooling at the base of downspouts — the shingle equivalent of paint chipping off.
Asphalt shingle signs
Dark spots where granules were knocked off, exposing the black asphalt mat. Fresh bruises feel soft to the touch.
Circular impact marks 0.5–2.5 inches wide.
Cracked or split shingles at the corners.
Metal roof signs
Round dents visible in raking sunlight (early morning or late afternoon). Dents on panel seams matter more than field dents.
Chipped or cracked paint — this is functional damage, not cosmetic, and voids most finish warranties.
Tile roof signs
Cracked or chipped tiles, especially at ridges and hips. Broken tiles allow water through the underlayment within one rain cycle.
Frequently Asked Questions
- Can I inspect the roof myself?
- Stay on the ground. Homeowner-climbed inspections aren't respected by adjusters and account for most storm-related fall injuries.
- How long do I have to file a hail claim?
- Most 2026 policies require notice within 30–60 days of the storm date, with a 1–2 year hard deadline to file suit.
Storm damage on your roof?
Check live storm radar, then use our tools to document damage and estimate repair cost.