What Is the Difference Between Wind and Hail Damage on a Roof?

High winds create uplift forces that pry shingles or tiles upward from their fastenings. This lifting often starts at the roof's edges, ridges, or around existing penetrations like vents. Once a shingle is creased or lifted, its seal can break, making it vulnerable. Subsequent gusts can then tear the material away completely, leaving exposed underlayment or decking open to the elements.

You might see shingles lying in your yard after a storm, which is a clear sign. More subtle wind damage includes creased shingles where the seal has failed or granules collecting in gutters from abrasion. Missing flashing around chimneys or vents is another common result. These breaches allow water to seep underneath the roofing materials, leading to leaks and structural decay over time.

Describing the damage correctly is crucial for your insurance claim and for getting the right repairs. An insurance adjuster will look for specific evidence to determine the cause of loss. Policies vary, and your insurer decides what is covered. Confusing hail bruising for normal wear or missing subtle wind damage can lead to a claim denial or insufficient repair scope.

A qualified roofer can provide a detailed assessment of the damage's cause and extent. Their report helps document the need for repair or replacement. This professional documentation supports your communication with the insurance company. It ensures the proposed fix addresses all vulnerabilities, not just the visible holes, preventing future water damage.

First, document everything safely from the ground using binoculars or a camera with a zoom lens. Take clear photos of any visible damage, debris, and the overall roof. Note the date of the storm. Avoid climbing onto the roof yourself, as storm damage can make surfaces unstable and dangerous.

Next, contact a reputable roofing professional for a thorough inspection. They can identify both obvious and subtle damage. Then, review your homeowner's insurance policy and contact your insurer to start the claims process if needed. If you discover any active leaks inside, you should also contact local water damage pros to prevent further interior damage to walls, ceilings, and insulation.

• Safely document all visible damage with photos and notes
• Schedule a professional roof inspection for a complete assessment
• Review your insurance policy and contact your insurer promptly
• Mitigate any interior water leaks immediately to limit damage
• Keep all reports and correspondence for your claim file
• Do not make permanent repairs before the insurance adjuster's inspection