What to do after hail
- Stay off wet, steep, or damaged roofing.
- Photograph hail, exterior conditions, and visible damage from safe locations.
- Record the date and approximate time of the event.
- Prevent active water entry when safe and document temporary work.
- Review your policy and contact your insurer according to its requirements.
Signs that deserve a professional look
Dented metal, damaged vents, torn screens, displaced shingles, exposed asphalt, loose flashing, and new water staining can justify a closer inspection. Not every mark is functional hail damage, and age or installation conditions can look similar. The report should distinguish observations from conclusions.
What a useful roof report includes
- Roof areas inspected and any access limitations
- Overview and close-up photographs tied to locations
- Observed conditions on shingles, flashing, vents, gutters, and adjacent exteriors
- Temporary measures already taken
- Recommended maintenance, testing, repair, or monitoring
Insurance boundary: a roofing contractor can inspect conditions and estimate repairs. The insurer determines coverage under the policy. Avoid any contractor who promises approval, offers to absorb a deductible, or pressures you to sign before you understand the scope.
Compare the repair scope, not just the price
Ask each contractor to identify materials, quantities, code-related work, ventilation, flashing, decking assumptions, exclusions, warranty terms, and cleanup. If proposals describe different work, the prices are not directly comparable.
Need a straight assessment?
Hoyt Exteriors can document your roof's current condition and explain practical next steps without promising an insurance outcome.
Request a Residential Inspection