Wind and Hail Damage: What to Check After a Storm

Roof damage from wind and hail

Hail damage on shingles appears as dark spots, bruises, or divots where the granules have been knocked off. Wind damage shows as lifted, curled, or missing shingles, particularly along ridges and edges. Both types of damage may not be visible from the ground.

A professional roof inspector can identify damage that you would miss. Many roofing contractors offer free storm damage inspections and can provide a detailed report for your claim.

Siding, gutters, and exterior damage

Hail dents aluminum and vinyl siding, leaving visible impact marks. Gutters and downspouts show dents along their exposed surfaces. Window screens may be torn or dented.

Outdoor HVAC units can sustain fin damage that reduces efficiency. Fence boards can crack or break from wind. Walk the entire perimeter of your home and check every exterior surface.

Photograph damage from close range with a ruler or coin for scale.

Interior signs of storm damage

Water stains on ceilings or walls after a storm indicate a roof leak. Check your attic for daylight coming through the roof deck, wet insulationInsulation Types and R-Values ExplainedInsulation is rated by R-value, which measures its resistance to heat transfer. Higher R-values mean better insulation. When your insurance repairs...
Read more →, or water trails on rafters. Look for new cracks around windows and doors that could indicate structural shifting from wind.

Even small leaks can cause significant damage over time if not repaired, so address interior signs promptly.

Filing a wind or hail damage claim

Report the damage to your insurance company as soon as possible after the storm. Provide your documentation photos and any inspection reports. Be aware that your policy may have a separate wind or hail deductibleUnderstanding Your Insurance DeductibleYour deductible is the amount you pay out of pocket before your insurance coverage begins. Deductibles can be a flat dollar amount or a percentage ...
Read more →, which is often a percentage of your dwelling coverage rather than a flat dollar amount.

In some coastal areas, this deductible can be 2-5% of your dwelling coverage, which is a significant out-of-pocket cost.

What to do

After any significant storm, inspect your property within a day or two. Take photos of all damage you find, including wide shots and close-ups. Get a professional roof inspection.

File your claim promptly because many policies have reporting deadlines for storm damage. If your area was declared a disaster zone, note this because it may affect your coverage and the claims process.