Key takeaways
- Short answer: Look for dark, random spots where granules were knocked loose, soft or bruised areas in shingles, cracked or punctured shingles, and dents on gutters, downspouts, vents and AC fins.
- Dented gutters and vents are a ground-level clue
- Granule loss shows as dark spots
- Report damage to your insurer promptly
- Typical roofing cost: $6,700–$25,000 per roof replacement.
Check from the ground first
- Dents on gutters, downspouts and window screens
- Dings on the AC condenser fins
- Granules collecting at downspout outlets
- Damaged siding, fences or outdoor furniture
Don't climb on a wet or steep roof. Use binoculars or have a roofer or adjuster inspect.
What hail damage looks like on shingles
- Random hits with no clear pattern (unlike wear)
- Black or dark spots with exposed mat
- Soft spots that feel like a bruised apple
- Cracks radiating from impact points
What to do next
- Photograph damage with the date and the storm date.
- Get a free inspection from a local, established roofer.
- Call your insurer to open a claim if damage is confirmed.
- Make temporary repairs to prevent leaks and keep receipts.
Related questions
What size hail damages a roof?
Hail about 1 inch (quarter-size) or larger often damages asphalt shingles. Smaller hail can still damage older, brittle roofs.
How long do I have to file a hail claim?
It depends on your policy and state; many allow about one to two years, but report damage as soon as possible.
Can hail damage cause leaks later?
Yes. Bruised shingles lose granules and can crack months later, so undetected hail damage often shows up as future leaks.
Other roofing questions homeowners ask
Will insurance pay for a new roof after hail?
Usually, if hail or wind caused sudden damage and your policy covers it. You pay the deductible, which is often a percentage of dwelling coverage in storm-prone states. Normal wear and old age are not covered.
How much does it cost to replace a 2,000 sq ft roof?
A 2,000 sq ft roof is about 20 squares (often 22–24 with pitch and waste). With architectural shingles, plan on roughly $6,700–$25,000, with most jobs near the middle of that range.
What does a new roof cost per square foot?
Architectural asphalt shingles typically run about $4.50–$12.50 per square foot installed, steel roofing about $4.50–$17 and tile about $5–$18. Roofers usually quote per square (100 sq ft).
Can you put a new roof over old shingles?
Many codes allow one overlay on a single layer of asphalt shingles, but a full tear-off is usually better. It exposes rotted decking and is preferred by many manufacturers and insurers.
Do I need a roof repair or a full replacement?
Repair when damage is limited to a small area on a roof with plenty of life left. Replace when the roof is near the end of its life, has widespread curling or granule loss, or leaks in several places.
How much does a roof inspection cost?
Independent roof inspections commonly cost a few hundred dollars. Many roofers inspect free after storms, but an independent inspector has nothing to sell you.
Is a metal roof worth the cost?
For owners staying 15 years or more, often yes. Metal lasts 40–70 years and resists wind and fire, but it costs significantly more up front than shingles.
What is the best time of year to replace a roof?
Late spring through fall works best in most climates, and fall is often the least busy season. Shingles need warm days to seal properly.
Roofing at a glance
Timeline
Most homes are re-roofed in 1–3 days. Large, steep or tile roofs take longer.
Permits
Most cities require a re-roofing permit and a final inspection. Your roofer should pull it.
DIY or pro?
Inspect from the ground with binoculars and keep gutters clean. Walking the roof, repairs and replacement are jobs for an insured pro.
What roof replacement and repair costs
Roof replacement typically costs $6,700–$25,000, and most homeowners spend about $14,000 for a 2,000 sq ft roof with architectural shingles. Metal, tile and slate cost more but last much longer.