Hail rarely punches holes. It bruises shingles in ways you cannot see from the driveway — and the roof that looks fine today becomes a denied claim in two years. Here is what to look for and what to do about it.
Call 832-662-4107
This is the single most important thing to understand about hail, and it is why so many Houston roofs go unrepaired until they leak.
Functional hail damage often looks like nothing. A hailstone does not usually punch a hole. It bruises the shingle — fracturing the mat underneath and knocking loose the mineral granules that protect it from the sun. From the driveway the roof looks fine. From four feet away on the roof itself, the bruises are obvious.
The damage shows up later, as the exposed asphalt degrades in Houston heat and the shingle begins to fail in the spots that were struck.
If your neighbourhood had a hailstorm and your neighbours are having roofs replaced, get yours looked at even if it looks untouched. Insurance policies have deadlines, and a roof that looks fine today can be a denied claim in two years.
| What is found | What it means |
|---|---|
| Granule loss in circular patches | Classic hail bruising. The shingle's protection is gone in that spot |
| Soft or spongy spots underfoot | The mat beneath has fractured. Functional damage |
| Dents in soft metal — gutters, vents, flashing | Corroborating evidence. Adjusters look here first because metal records the hit clearly |
| Granules in the gutters after a storm | Worth investigating, though some granule loss is normal on an ageing roof |
| Cracked or split shingles | Usually age or wind rather than hail — but it still needs repair |
Do not climb up. Walk the perimeter and look at the soft metal: gutters, downspouts, the aluminium fascia, roof vents, the air conditioner's condenser fins. Hail dents metal visibly and unmistakably.
If those are dented, the roof took the same hits. If they are clean, it is less likely the roof was struck hard enough to matter.
Texas policies carry deadlines for reporting damage, and they are shorter than most people assume. The practical rule is report it as soon as you are aware of it, and treat a known storm date in your neighbourhood as the start of the clock rather than the day a leak appears.
Delay is the most common reason a legitimate claim is denied. Not because the damage was not real, but because too much time passed to prove when it happened.
Handling the insurance side is covered on the hail damage insurance page.
Hail rarely damages one slope. It comes in at an angle, so the side facing the storm takes nearly all of it — but insurers and manufacturers often will not accept a partial replacement, because new shingles will not match weathered ones and a patched slope voids warranty coverage.
The practical outcome: light damage on one slope may be repairable, and anything widespread is usually a replacement. Anyone promising to fix hail damage with a handful of shingles on a heavily hit roof is setting up a future problem.Call 832-662-4107