Can Hail Really Damage My Roof? (And Other Common Questions After a Texas Storm)

In North Texas, hailstorms aren't just loud—they're dangerous to your roof. Even when the damage isn’t obvious, the effects can be costly. Knowing what to look for and how to respond can save you thousands in repairs and insurance headaches. Below, we answer the most common questions homeowners ask after a hailstorm so you can protect your property and avoid long-term issues.

1. What Does Hail Damage Look Like on a Roof?

Hail damage varies by roofing material, but common signs include:

• Bruised or darkened spots on shingles
  
  
• Granule loss that exposes black felt underneath
  
  
• Shiny marks or cracks in the asphalt layer
  
  
• Dents on metal flashing, vents, or gutters
  
  

For wood shingles, look for orange-brown splits. On metal roofs, expect visible dimples or pings. Even subtle damage can lead to leaks—especially if the next storm rolls in.

🔍 Schedule a professional roof inspection to confirm what’s really going on.

2. How Big Does Hail Need to Be to Cause Damage?

While hail the size of a quarter (1") can damage older shingles, hail 1.5" or larger is when serious damage typically starts:

• Cracked or lifted shingles
  
  
• Bent flashing or punctured vents
  
  
• Dented ridge caps and soft metal components
  
  

Older roofs and low-pitch designs are especially vulnerable, even in lighter hail events.

3. Can Hail Damage Be Hidden?

Absolutely. Many homeowners don’t realize their roof is compromised until leaks or mold appear months later.

Hidden warning signs include:

• Shingle granules building up in gutters
  
  
• Water stains in the attic or ceiling
  
  
• A musty odor or rising humidity indoors
  
  
• Sagging roof decking
  
  

🛑 Don’t wait until you see a stain—damage often starts before it’s visible.

4. Does Home Insurance Cover Hail Damage?

In most Texas policies, hail damage is covered—but your coverage type matters:

• RCV (Replacement Cost Value): Pays full replacement cost, minus deductible
  
  
• ACV (Actual Cash Value): Pays depreciated value, often resulting in higher out-of-pocket expenses
  
  

K&M Roofing works with homeowners to document and submit storm damage claims correctly—so you get what you’re owed.

5. How Long Do I Have to File a Claim in Texas?

Most homeowners insurance policies allow you up to 1 year after the storm to file. However:

• Delays can complicate your claim if more storms occur
  
  
• Some policies have stricter deadlines
  
  

💡 Check your policy and contact your insurer ASAP—or let us help you review it.

6. Should I Inspect My Roof Myself After Hail?

No. It’s dangerous and often ineffective. Instead, inspect your property from the ground:

• Look for dents on gutters, downspouts, and window screens
  
  
• Check yard furniture, A/C units, and cars for hail hits
  
  
• Spot shingle debris or granules at the base of downspouts
  
  

If you spot signs of impact, a certified roof inspection is your next move.

7. Can Hail Damage Really Cause Leaks?

Yes—and it often does over time. Even minor hail bruises can:

• Compromise shingle integrity
  
  
• Create gaps for moisture
  
  
• Lead to mold, mildew, or wood rot
  
  

Many leaks that appear during a later storm were caused by a hail event weeks—or months—earlier.

8. What’s the First Step If I Suspect Damage?

Follow this simple checklist:

1. Document any visible exterior damage (screens, fences, gutters)
   
   
2. Call a licensed roofer for a free inspection
   
   
3. Notify your insurance carrier
   
   
4. Schedule repairs with a reputable contractor
   
   

SunTex Roofing helps Texas homeowners every step of the way—from inspection to claim support to full replacement.

Don’t Wait Until the Leak Starts

Roof damage from hail might not show up right away—but the longer you wait, the worse it gets. Whether your roof has minor dings or you just want peace of mind, we’re here to help.

🎯 Book your free hail damage inspection with SunTex Roofing today and protect your home before the next storm hits.

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