What's the Deal With Hail Damage?

Hail damage might look small — just a few little dents or missing granules — but ignoring it can cost you thousands down the road.

Here’s why. When hail hits a roof, it bruises or cracks the shingle’s protective layer. That damage might not leak right away, but it weakens the shingle. Over time, UV rays, wind, and temperature changes cause those bruised spots to open up — and that’s when water starts seeping in.

By the time you see a stain on your ceiling, the damage underneath has already been spreading for months, maybe even years.

And once that happens, insurance may no longer cover it. Most policies have time limits — sometimes only 6 to 12 months after a storm — to report hail damage. Wait too long, and the insurance company calls it “neglect.” That means you pay out of pocket for what could have been a fully covered replacement.

Another reason it’s important: hail damage reduces your roof’s lifespan and your home’s resale value. Inspectors can spot those bruises during a sale, and buyers will either ask for a discount or want it replaced before closing.

Even minor hail damage can void your manufacturer warranty if it’s not addressed, because the roof is no longer performing as intended.

At My Family Roofer, we specialize in identifying hail damage early — before it leads to leaks, mold, or denied claims. We document every slope, every vent, every impact, so you have a clear record for your insurance company and peace of mind for your home.