Hail Hits on Your Roof: What Homeowners Should Know After a Storm

Hailstorms are a fact of life in Colorado. Whether you’re in Denver, Fort Collins, or the Front Range, severe weather can strike with little warning—leaving behind damage that is sometimes obvious and other times subtle. If you’ve noticed hail hits on your roof, it’s essential to take action right away.

Roof hail damage can weaken your roofing system, leading to costly issues such as leaks, insulation failure, and mold growth. At B&M Roofing, we’ve inspected and repaired thousands of hail-damaged roofs across Colorado. This guide will walk you through what to look for, how to respond, and when to seek professional help.

What Hail Damage on a Roof Looks Like

Not all hail damage is immediately visible. Depending on the size of the hail, the type of roofing material, and the angle of impact, signs can range from minor cosmetic blemishes to severe structural damage. Here’s what you might notice after a storm:

Hail Damage on Asphalt Shingles

• Granule Loss: Small, bare spots where protective granules have been knocked off
• Dents or Bruising: Soft areas that feel spongy or look discolored
• Cracked or Broken Shingles: Particularly common with larger hailstones.
• Exposed Underlayment: If the damage has worn through the top layer

Damage on Metal or Tile Roofs

• Dents or Impact Marks: Particularly on seams, panels, or valleys
• Chipped Paint or Coating: On standing seam or corrugated metal roofs
• Cracked Tiles or Dislodged Pieces: May not always be visible from the ground

Additional Clues on the Ground

• Dented gutters or downspouts
• Damaged siding, window screens, or deck furniture
• Granules are collecting at the bottom of downspouts.

If you see these signs around your home, there’s a strong chance that your roof was affected as well.

Why Hail Hits Are a Serious Concern

Even minor hail strikes can lead to long-term issues if not adequately addressed. Some damage may not appear severe at first glance, but over time, it can weaken your roof’s ability to protect your home.

Moisture Penetration

When granules are knocked off or shingles are bruised, water can seep into your roof deck and attic insulation. This can lead to water stains on ceilings, rotting wood, and eventual structural damage.

Shortened Roof Life

Repeated hail hits degrade the effectiveness of your shingles or roofing material. This accelerates wear and tear, leading to early roof replacement if left unchecked.

Mold and Mildew

Moisture buildup in your attic can foster mold growth, which can spread into drywall, HVAC systems, and even your home’s air.

Insurance Limitations

Most homeowners insurance policies have strict deadlines for filing storm damage claims. If you don’t document and report the damage in time, you may lose your eligibility for coverage.

How to Inspect for Hail Damage After a Storm

After a hailstorm, conduct a safe inspection or call a professional roofer to inspect your roof for you. Early detection can prevent minor issues from becoming major repairs.

Look from Ground Level First

• Walk around your home and look for apparent damage to gutters, downspouts, and siding.
• Inspect decks, patio furniture, and vehicles for dents or dings.
• Use binoculars to scan the roof for irregularities or discoloration.

Check Inside the Attic

• Look for water stains, wet insulation, or signs of dripping.
• Check for daylight coming through the roof deck.
• Note any musty odors, which may indicate the presence of mold.

Call a Licensed Roofing Contractor

Avoid getting on the roof yourself. A professional like B&M Roofing will:

• Provide a complete roof inspection report
• Use thermal imaging and moisture detection tools.
• Offer photographic documentation for insurance purposes.

What to Do if You See Hail Hits on Your Roof

Taking prompt, informed action can prevent the need for complete roof replacement and help protect your home and insurance coverage.

Document the Damage

Use your phone or camera to take clear photos of visible damage to the roof, gutters, siding, and surrounding property. Include the date of the storm and describe the severity.

Notify Your Insurance Company

Let them know you suspect hail damage. They may request that you schedule an inspection or send out their adjuster.

Schedule a Roof Inspection

Have a certified contractor assess the extent of the hail damage. B&M Roofing offers free storm damage inspections with detailed reporting.

File a Claim if Needed

If the damage is severe enough to qualify, submit your claim promptly. Provide all photos, inspection reports, and estimates.

Get Repairs Scheduled Quickly

If the damage is minor, localized repairs may be all that’s needed. If it’s widespread, your roofer may recommend partial or complete replacement. Don’t delay—additional storms could worsen the condition of your roof.

Repairing Roofs Damaged by Hail

The extent of the damage will determine the repair strategy. At B&M Roofing, we tailor our solutions to the type of roof and the severity of the hail impact.

Common Hail Damage Repairs

• Replacing individual shingles or tiles
• Reflashing chimneys, vents, and skylights
• Sealing exposed underlayment
• Applying protective coatings to metal roofs

Suppose the damage compromises the roof’s structure or waterproofing system. A complete replacement may be more cost-effective in the long run. We only recommend replacement when necessary and always prioritize repair options first.

Does Insurance Cover Hail Hits on the Roof?

In most cases, hail damage is covered under standard homeowners insurance, but the specifics depend on your policy.

Key Coverage Factors

• Type of policy: Replacement Cost Value (RCV) vs. Actual Cash Value (ACV)
• Roof age and condition
• Regional hail zones and frequency
• Timeliness of claim submission

Our team works closely with insurance adjusters to ensure our clients get the compensation they deserve. We provide inspection documentation, assist with claims, and remain on-site during insurance inspections upon request.

Why Homeowners Choose B&M Roofing for Hail Damage Repairs

B&M Roofing is one of Colorado’s most trusted roofing companies, recognized for its high-quality work and prompt response to storms. Here’s why homeowners rely on us:

• Free post-storm inspections
• 75+ years of combined experience
• Licensed and insured for residential and commercial work
• Local knowledge of Colorado hailstorm patterns
• We work directly with your insurance provider.

We’re committed to protecting your home with honest assessments and expert repair solutions.

Schedule a Free Hail Damage Inspection Today

If you’ve experienced a hailstorm recently, don’t wait to see if damage appears later. By the time water stains show up, the problem is already well advanced. Contact B&M Roofing today for a free hail damage roof inspection and ensure your home stays protected from future storms.