A hail damage roof claim covers shingle bruising or granule loss caused by an identifiable hail event. Adjusters and contractors document strikes using test squares — typically 10x10 ft sections marked with chalk — to verify density.
Key facts
- Hail damage on asphalt shingles appears as round bruises with granule loss exposing the underlying mat.
- Most carriers require a minimum strike density per test square to qualify for replacement — often 8–10 hits per 100 sq ft.
- Hail size and direction of impact are key data points — recorded via radar (MESH) and ground observation.
- Cosmetic hail damage exclusions exist on some metal and tile roofs — check your policy.
- Hail damage to gutters, screens, soft metals, and AC fins is often the first visible evidence.
Step-by-step
- 1
Note ground-level evidence
Dented gutters, bent AC fins, dings on cars, granules at downspout outlets.
- 2
Schedule a contractor inspection
A contractor will mark test squares with chalk and count strikes.
- 3
Pull a hail report
Confirm hail occurred at your address on a specific date via NWS or third-party services.
- 4
File the claim with date of loss
Provide the storm date and the documented density.
- 5
Walk the roof with the adjuster
Show the same test squares to the adjuster on site.
Frequently asked questions
How is hail damage proven?+
Through test squares (typically 10x10 ft) showing strike density, paired with a hail report confirming the storm occurred.
Does small hail cause damage?+
Hail under ¾ inch rarely damages asphalt shingles. Damage typically starts around 1 inch and increases sharply with size.
Will my insurance cover hail damage?+
Most HO-3 policies in Texas cover sudden hail damage subject to your wind/hail deductible. Cosmetic exclusions vary.
How long do I have to file a hail claim in Texas?+
Most policies require filing within 1 year of the date of loss, but specifics vary. Confirm with your policy.