Roofing & Storm Damage
Storm Damage Roof Inspection Checklist: Hail & Wind
Conducting a methodical ground-level roof inspection after severe wind, hail, or storm events helps identify structural leaks, shingle loss, and impact indentations before interior water breaches occur.
Inspect Safely from Ground Level First
Use binoculars or high-resolution smartphone zoom from ground level. Avoid climbing steep or wet roofs immediately after storms. If you suspect structural damage, dispatch a licensed, insured roofing contractor.
1. Ground-Level Exterior Inspection Checklist
Walk the entire perimeter of your home and check these critical exterior components:
Excessive black mineral granules washing out of downspouts indicates severe hail scrub, exposing asphalt substrate to rapid UV breakdown.
Look for missing, lifted, or creased shingles along ridgelines and valleys where wind shear is most intense.
Check metal chimney flashing, plumbing pipe boots, and attic ridge vents for dents, tears, or displacement.
Inspect outdoor AC condenser fins, painted metal mailboxes, window screens, and wood fences for hail impact dents that support insurance claims.
Primary Standard Reference: Insurance Institute for Business & Home Safety (IBHS) & National Roofing Contractors Association (NRCA)
Frequently Asked Questions
How long do I have to file a roof storm damage insurance claim?
Most insurance carriers require claims to be filed within one year of the documented storm date. Prompt inspection and photo logging are essential.
What does hail damage look like on architectural shingles?
Hail impacts appear as dark, circular bruises where protective granules have been knocked off, leaving soft, spongy exposed asphalt underlayment.