Can small hail damage my roof?

Yes. 1-inch (2.5 cm) hail can cause 1.5 mm dents, enough to compromise asphalt shingles according to 2025 studies.

How long do I have to file an insurance claim?

Typically 30-60 days after the storm. Waiting longer can lead the adjuster to attribute the damage to 'normal wear and tear'.

Does hail always leave visible holes in the roof?

Not necessarily. Hail damage is often subtle, such as granule loss on asphalt shingles or dents without perforation on metal roofs. This is why a professional inspection is crucial.

Can I postpone repairs if the damage is minimal?

Postponing repairs, even for minor damage, is risky. Small dents or granule loss can lead to leaks, mold, and much more costly structural damage over time. It's ideal to address the problem as soon as possible.

How does my roof's age affect my hail damage insurance claim?

For newer roofs, you are more likely to receive the full replacement cost. However, for roofs 10 years or older, insurers often only pay the actual cash value (depreciated) of the roof, meaning you will receive less money.

Hail damage to Florida roofs 2025: How to identify & what to do for repairs

Key signs of hail damage on your roof

Hail damage can be subtle and vary significantly depending on your roof material. Knowing the specific signs is crucial for early detection.

Roof Type

Key Signs

Hidden Risks

Asphalt

✔️ Granule loss (black spots).
✔️ Small indentations (1.5 mm+).

❌ Microscopic damage that weakens the shingle, reducing its lifespan.

Metal

✔️ Dents (use chalk or glancing light to detect them).

❌ Rust if the protective coating is damaged, leading to corrosion.

Tiles (Clay/Concrete)

✔️ Cracks, chips, or fractured corners.

❌ Leaks in lower layers, causing structural damage.

It’s important to remember that smaller hail can also be destructive. Even 1-inch (2.5 cm) hail is capable of causing 1.5 mm dents, which is enough to compromise the integrity of asphalt shingles.

Safe methods for inspecting your Florida roof

Safety is paramount when inspecting roof damage. Avoid climbing onto your roof if you lack experience and proper equipment. Here are safe and effective ways to look for damage:

Drones or High-Resolution Cameras: Looking for a detailed, risk-free inspection? Specialized companies like Roofing Nation use drones with AI technology to detect damage invisible to the human eye or hard to reach. This provides precise mapping and a comprehensive report on your roof’s condition.

High-Powered Binoculars: From the ground, you can inspect your roof using binoculars. The best time to do so is during the morning or late afternoon, when the sun’s light is at a low angle. The elongated shadows cast can highlight dents and other irregularities.

Attic Inspection: If you have access to your attic, look for any signs of water stains, mold, or leaks. These are clear indicators that hail may have caused structural damage that is now allowing moisture to enter.

Roof hail damage repair costs in Florida

The cost of repairing hail damage can vary considerably depending on the extent and material of your roof. Here’s an estimated average for 2025 in Florida:

Type of Damage

Average Cost

Example

Shingle replacement (10 shingles)

$200-$500

Minor, localized damage to asphalt shingles.

Metal roof repair

$800-$2,000

Dents on standing seam roof panels.

Broken tile replacement

$1,500-$5,000

Replacing clay or concrete tiles in high or difficult-to-access areas with multiple breaks.

It’s crucial to get a professional assessment to obtain an accurate estimate of costs and the scope of work required.

Will my insurance cover the damage? Insurance & Hail claims

The good news is that most homeowners’ insurance policies cover hail damage. However, there are important considerations for 2025, especially in Florida:

Coverage and Depreciation: While your policy will likely cover hail, roofs 10 years or older may be eligible for less money back. This is because insurers apply «depreciated value» rather than the full replacement cost.

Deductibles: Remember that you’ll need to pay your deductible before the insurance begins to cover costs.

Key steps to file your insurance claim:

Get a Professional Inspection: Contact a trusted roofing company for a detailed inspection. You’ll need clear photos and a comprehensive report of the damage to present to your insurer.

Obtain a Weather Report: If possible, provide a weather report confirming the occurrence of hail in your area around the approximate date you suspect the damage occurred. This can strengthen your claim.

Work with an Independent Public Adjuster: While your insurer will send their own adjuster, consider hiring a public adjuster. They work on your behalf and can help you maximize your compensation, ensuring you don’t rely solely on the insurance company’s adjuster’s assessment.

Common mistakes when dealing with hail damage

Avoiding these mistakes can save you time, money, and future problems:

Underestimating small damages: A seemingly insignificant impact can weaken the shingle, making it vulnerable to future weather and causing leaks months after the initial event.

DIY repairs: Attempting to repair the roof yourself can be dangerous, and more importantly, it can void existing roof warranties or even compromise your insurance coverage if repairs do not meet standards.