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Can Small Hailstones Still Damage Roofing Materials?

Last updated October 31, 2026

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The short answer

How Hail Damages Different Roof Types

Asphalt shingles are vulnerable to granule loss when hit by hail. These granules shield the asphalt layer from UV rays. Losing them shortens the shingle's life and exposes the roof to sun damage. Even small hailstones can knock granules loose, especially on older roofs where the asphalt binder is less flexible.

Clay, concrete, or slate tiles can crack from hail impact. The damage might be a small hairline fracture you cannot see from the ground. These cracks compromise the roof's water-shedding ability. Metal roofs may show cosmetic dents from small hail, but they are less likely to leak unless the seam sealants are damaged.

Spotting Damage After a Hailstorm

Start your inspection from the ground with binoculars. Look for dark spots or bruises on asphalt shingles, which indicate granule loss. Check for cracked, chipped, or missing tiles. Also, inspect your gutters and downspouts for an accumulation of roof granules, a clear sign of impact damage.

Do not walk on a potentially damaged roof, as it can be unsafe and may worsen any cracks. If you see signs of damage from the ground, you should schedule a professional inspection. The pros use specialized methods to assess the roof's condition without causing further harm.

  • Dark, circular bruises on asphalt shingles where granules are missing.
  • Cracked or broken clay, concrete, or slate tiles.
  • A pile of sand-like granules in gutters or at downspout exits.
  • Dents on metal roof panels, vents, or flashing.
  • Loosened seals around plumbing boots or vent pipes.
  • Damage to other exterior items, like window screens or siding.

Hail damage often creates a slow, hidden leak. A small crack or lost granules might not cause immediate dripping. Water can seep under shingles or into roof decking, where it causes rot and mold over weeks or months. This is why a small hail event can lead to significant interior problems long after the storm.

What to Do If You Suspect Hail Damage

Your first action should be to document everything. Take clear, date-stamped photos and videos of any visible damage from the ground, including the granules in your gutters. Also, photograph any interior signs of a leak, like water stains on ceilings or walls. This documentation is crucial for your records and any potential insurance claim.

Contact your insurance company to report the storm and discuss your policy's hail damage coverage. Policies vary, and your insurer decides what is covered. They will likely recommend an inspection. After that, you can call local water damage pros for a thorough assessment of the roof and any resulting water intrusion in your home.

Preventative Measures and Next Steps

Regular roof maintenance helps identify weak spots before a storm. Have a roofer check your roof's general condition annually, especially before the rainy season. They can reseal flashing and replace worn shingles. This does not make a roof hail-proof, but a well-maintained roof is generally more resilient to impact.

If an inspection confirms hail damage, repairs will depend on the extent. Sometimes, only a few shingles or tiles need replacement. Widespread granule loss or decking damage may require a full roof section replacement. Local water damage pros can then address any water damage that has occurred inside your walls or attic.

  • Schedule annual roof inspections, particularly before winter.
  • Trim tree branches that hang over your roof to reduce debris impact.
  • Ensure your attic has proper ventilation to help dry any minor moisture.
  • Know where your main water shutoff valve is in case of a sudden leak.
  • Keep your insurance policy and agent's contact information accessible.
  • Store important documents in a waterproof, elevated container.

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Phones are answered 24/7 for San Bernardino and nearby communities.

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Frequently asked questions

Will my homeowner's insurance cover hail damage?

Most standard policies cover sudden, accidental damage from hail. However, coverage details and your deductible apply. Policies vary, and your insurer decides what is covered. You must file a claim and an adjuster will assess the damage. Always review your specific policy language.

How soon should I get my roof inspected after hail?

Arrange an inspection as soon as it is safe, ideally within a few weeks of the storm. Prompt inspection can identify leaks before they cause major interior damage. Waiting allows water to seep into structures, leading to more extensive and costly repairs for rot and mold.

Can I repair hail damage myself?

Minor repairs like replacing a single shingle might be a DIY project for an experienced person. However, walking on a damaged roof is hazardous. For most hail damage, especially involving leaks or structural concerns, hiring a professional roofer is the safest way to ensure a proper, lasting repair.

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