On asphalt shingles, hail leaves round dark spots where the granules have been knocked off, often soft when pressed, like a bruise on fruit, and in larger storms cracked or torn shingle edges. It usually starts at about 1 inch hail. Metal roofs show round dents, and wood shakes split with sharp, light-coloured edges. The damage is rarely visible from the ground; dented gutters and vents are the easiest clue.
Usually not by itself. Hail is a weather claim, not an at-fault one, so many insurers do not surcharge an individual policy for a single hail claim, and some states restrict it. What does raise premiums is area-wide: after heavy hail years, insurers raise rates for everyone in the region, claim or not. Several claims in a few years can lead to a surcharge or non-renewal.
Frequently asked questions
What does hail damage on a roof look like?
On asphalt shingles, hail leaves round dark spots where the granules have been knocked off, often soft when pressed, like a bruise on fruit, and in larger storms cracked or torn shingle edges. It usually starts at about 1 inch hail. Metal roofs show round dents, and wood shakes split with sharp, light-coloured edges. The damage is rarely visible from the ground; dented gutters and vents are the easiest clue.
Will filing a hail damage claim raise my insurance rates?
Usually not by itself. Hail is a weather claim, not an at-fault one, so many insurers do not surcharge an individual policy for a single hail claim, and some states restrict it. What does raise premiums is area-wide: after heavy hail years, insurers raise rates for everyone in the region, claim or not. Several claims in a few years can lead to a surcharge or non-renewal.
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