After a heavy storm rolls through, it’s tempting to assume that if you don’t see missing shingles, everything’s fine. But storm damage isn’t always obvious — and waiting too long can void your chance of filing an insurance claim.
Here’s what to look for:
- Granule loss: Check your gutters for tiny granules from asphalt shingles. It’s a sign of hail impact.
- Creased or lifted shingles: High winds can bend or partially detach shingles.
- Dents in metal flashing or vents: Hail doesn’t just damage shingles — it can ding other roof components too.
- Leaks or water spots in the attic: This may be the first internal sign of external damage.
- Neighbors getting repairs: If homes near you have roofing crews out, it may be time to check yours.
When should you file a claim?
If you suspect damage — even if it’s not visible from the ground — it’s smart to have a professional inspection. Most insurance companies have a limited window for storm-related claims (often 1 year or less).
Pro tip: Let a licensed roofer inspect and document the damage first. That way, you’re prepared if an adjuster comes out.
