Hail Damage
Don’t Let Hail Damage Go Unnoticed
When hail storms hit, the damage can be brutal—and often sneaky. Your roof might look fine from the ground, but hidden issues like granule loss, shingle bruising, and subtle water intrusion can lurk underneath. That’s why it’s critical to inspect your hail damage roof quickly and thoroughly.
At Panther Public Adjusting, we help property owners nationwide uncover and claim every bit of storm-related damage. Whether it’s a strip mall in Texas or a single-family home in Ohio, our public adjusters know how to get policyholders every dollar they deserve.
My roof was damaged in a recent storm. I had a builders Risk policy and the insurance provider was fighting hard not to pay anything on the claim. Sam and the team at Panther were able to get me enough money to replace my roof and bring it up to code. Without Sam I wouldn't have gotten a dime. I highly recommend!
What Hail Really Does to Your Roof (It’s Not Just Dents)
Sure, everyone thinks about dents in metal roofing or broken shingles, but hail can cause more complex problems, like:
1. Granule Loss
Hail can strip asphalt shingles of their protective granules. This exposes the underlayment and speeds up deterioration.
2. Cracked or Split Shingles
Even small hailstones can fracture composite shingles, creating leaks months later.
3. Bruising
Bruises may not be visible right away. But over time, these soft spots become weak points where leaks form.
4. Membrane Damage on Flat Roofs
Commercial buildings with EPDM or TPO roofing are especially vulnerable to punctures and tears that may not be visible without a professional inspection.
5. Dislodged Flashing and Vents
Roof accessories like flashing, vents, and skylight seals can get knocked loose or cracked, letting moisture seep in slowly.
Overlooked Damage Areas in Hail Claims
Insurance companies often focus on the roof and ignore the rest. But hail doesn’t discriminate—it hits everything. Here are key areas we check that adjusters often skip:
Windows and Frames
Hail can chip, crack, or scratch windows. And aluminum window frames? They dent like soda cans.
Siding Dings and Cracks
Vinyl, aluminum, and even wood siding can suffer from pockmarks, hairline fractures, or discoloration after a storm.
Gutters and Downspouts
Heavy hail can dent metal gutters, pull fasteners loose, or clog systems with shattered shingle debris.
HVAC and Rooftop Units
Hail can bend fins and damage condensers, reducing system efficiency.
Paint and Coatings
Don’t forget the subtle stuff. Chips to exterior paint and protective coatings are still valid parts of your claim.
Why Choose Panther Public Adjusting?
We know how to fight lowball insurance settlements. Here’s why thousands of clients across the country trust us:
Nationwide Expertise: Licensed in multiple states, experienced with all types of hail events.
Residential & Commercial Claims: From suburban homes to large warehouses, we’ve seen it all.
Comprehensive Inspections: We catch what insurance adjusters miss.
Negotiation Power: We challenge every underpaid or denied claim with hard evidence.
For more insight, explore 4 myths about public adjusting to separate facts from fiction.
You may also want to understand how we helped one client boost their payout in our story: 5x the settlement—how Panther increased our client’s Hurricane Ian claim from $42K to $250K.
Also, take a look at how to protect yourself from industry pitfalls in Avoid this common insurance check trap—your money could be at risk.
And if you’re worried about matching exclusions on your roof claim, read Denied roof claim over matching exclusion? Here’s how Florida homeowners can still win.
What to Do After a Hail Storm
Document Everything: Take photos of hail size, damaged areas, and fallen debris.
Avoid DIY Repairs: Insurance companies may deny claims if repairs are made before inspection.
Call Us First: Our free inspection ensures you don’t miss anything that could cost you thousands later.
Ready to get started?
Email us at Claims@PantherPA.com
Or call 833-726-8437 right now
Hail Damage Doesn’t Wait — Neither Should You
Even if you’re unsure whether the storm caused enough damage, it’s always better to check. Delaying can jeopardize your insurance claim eligibility. Let Panther Public Adjusting evaluate your hail damage roof and everything around it — from gutters to glass.
Want to learn more about how we protect policyholders?
Learn the 7 steps to hurricane safety that apply to all storm prep
Read our take on 5 hurricane insurance claim secrets your carrier won’t tell you
Let’s Maximize Your Claim Today
Don’t let your insurance company dictate the value of your loss. Contact Panther Public Adjusting today to protect your rights, your roof, and your bottom line.
📞 Call: 833-726-8437
📧 Email: Claims@PantherPA.com
🔧 Request Help: Contact Us Online
FAQs About Hail Damage
What does hail damage look like on a roof?
Hail damage can appear as dark spots, bruises, or dents on shingles. You might also see missing granules, cracked tiles, or bent flashing. On metal roofs, look for dings or pockmarks. The damage may be subtle at first, which is why professional inspections are key.
How much hail damage is needed to replace a roof?How much hail damage is needed to replace a roof?
There’s no one-size-fits-all answer. Even minimal damage in key areas can justify a full roof replacement—especially if the roof materials are no longer manufactured or repairs would disrupt the existing system’s integrity. Insurers often use thresholds like 6–10 hits per square (10’x10’) as a guideline, but factors like tile discontinuation or irreparability can strengthen your claim for full replacement.
What size hail damages roofs?
Hailstones as small as 1 inch can cause damage—especially to older or worn-out roofs. Larger hail (1.5 inches or more) almost always leaves visible signs. Even “small” hail can cause hidden issues that worsen over time if ignored.
How can I tell if my roof has hail damage?
You might notice bruised or cracked shingles, loose granules, bent vents, or dings in gutters. A safe way to check is by walking the perimeter and inspecting from the ground. For a thorough evaluation, schedule a professional roof inspection.
Will insurance pay for hail damage to a metal roof?
Yes, insurance typically covers hail damage to metal roofs, especially if dents or punctures affect the roof’s function. Cosmetic-only damage may not qualify, but any breach that threatens waterproofing is usually covered under standard policies.
Does insurance cover hail damage to roofs?
Most homeowner and commercial property policies include hail as a covered peril. However, coverage depends on your policy’s terms, your deductible, and whether you file a timely claim supported by solid documentation.
Why is hail damage bad for a roof?
Even small hail damage weakens your roof’s protective barrier. It can lead to water infiltration, mold growth, and structural rot. Over time, minor damage compounds into major repair costs. That’s why addressing it early is critical.
What should I do if I suspect hail damage on my roof?
Take photos of any visible signs, document the storm date, and avoid doing repairs yourself. Then, contact a licensed public adjuster like Panther Public Adjusting to perform a free inspection and help file a comprehensive insurance claim.