Granules in the gutter after hail? Talk through what to do next.

If ice is still in the yard or a shingle lifted, photograph it and talk through who should look. One or more roofing companies that serve your area may call and text you. Asking is free.

  1. Pea 0.25 in Small ice, still worth a photo
  2. Quarter 1.00 in The NWS severe-hail size
  3. Golf ball 1.75 in Well past the NWS severe size
  4. Baseball 2.75 in Large hail, so photograph the siding and windows too
Dark storm clouds over two houses with red roofs on a hillside.

Talk through the hail on your roof

Tell us where the house is. Roof After Hail and one or more roofing companies that serve your area may call and text you to talk through the hail or wind you are seeing.

Roof After Hail is an independent guide. Asking for a call does not hire anyone or file an insurance claim.

Start here if any of this is happening

A storm does not wait for a plan. These are the moments a call with a roofing contractor is meant for.

Close-up of black textured asphalt roof shingles.
  • You heard hail, or you found ice in the yard

    The National Weather Service hail-size chart treats a quarter, 1.00 inch, as severe hail. Smaller ice can still bruise a shingle. Photograph the stones next to a coin before they melt.

  • Granules are in the gutter, or a shingle looks bruised

    Photograph the gutter and the shingle from the ground before rain washes the granules away. A written look tells you more than a photo.

  • Wind lifted a shingle, a flashing, or a vent cap

    Inland Texas homeowners policies often treat wind and hail like other sudden damage, per the Texas Department of Insurance. A coastal house may need a separate windstorm policy.

  • Someone already knocked and asked you to sign

    Kansas now voids a post-loss assignment of residential property benefits. Nebraska says you do not have to sign one. Texas bars a roofer from acting as your public adjuster while doing the work.

What you can document, what an adjuster does, and what a crew does

Those three jobs get mixed up the morning after a storm. They are separate, and only one of them writes a bid.

What you can document

What it is
Photograph the roof from the ground, the ice next to a coin, and any interior stain. Make only temporary repairs, such as a tarp, until the insurer has seen the loss.
What it costs to start
A camera and a dated note cost nothing. The agency pages we cite do not charge you to follow them.
Worth knowing
Documenting is not a coverage decision. Your insurer still decides the claim.
How long you have to file

An insurance adjuster

What it is
The adjuster estimates the loss for the company. Texas Department of Insurance says the company must acknowledge a claim in 15 days and accept or reject it in 15 business days after it has what it needs.
What it costs to start
You do not pay the company to open the claim. A deductible still applies. Some policies use a separate wind or hail deductible.
Worth knowing
An adjuster opinion is not a bid, and it is not a city permit.
Whether hail is usually covered

A roofing crew

What it is
A crew may replace shingles, flashing, or the whole covering. Licensing is local. Kansas requires a roofing contractor registration certificate. Ask your city whether the job needs a roofing permit.
What it costs to start
This page does not print a roof price we cannot source. Ask the company for a written scope and price.
Worth knowing
Ask for the scope in writing. The price, if you hire, is between you and that company.
How to judge a roofer

What happens after you ask for a call

  1. Send the short form

    Your name, phone, email, state, and city. It goes to one or more roofing companies that serve your area, not to your insurer or your city.

  2. A company may call you

    Expect a few questions: which slope, when the storm hit, and whether you already called the insurer.

  3. You choose

    If a company's plan sounds right, you can hire it. You can tell any of them no.

What hail hits first

The ice hits the shingle face. Under that sit the underlayment and the wood deck. Flashing turns water at the wall. A bruise you can see is only the top layer.

Cross-section of a house roof from shingle to attic Asphalt shingles sit on underlayment over wood decking. Flashing turns water at the wall. Hail hits the shingle face first. Shingle Underlayment Deck Flashing Attic
Shingle
The face you can see. Hail can bruise the granules or crack the mat. NWS treats 1.00 inch, a quarter, as severe hail.
Underlayment
The sheet under the shingles. It is the next line if a shingle splits. A crew should say whether they plan to replace it.
Deck
The wood the roof is nailed to. Soft or wet decking changes the job. Ask what they will do if they find it.
Flashing
The metal at walls, chimneys, and valleys. Wind often lifts it first.
Attic
Look from below for daylight or a wet stain. Photograph it. Do not walk the roof after ice if you can stay on the ground.

Have these nearby when the contractor calls

You do not need any of this to ask for a call. Having it close makes the first conversation more useful.

  • The date of the storm, if you know it, and whether you already called the insurer
  • Which slope or vent you first noticed, and whether granules are in the gutter
  • Whether anyone asked you to assign the claim or waive a deductible
  • Your city and whether you already asked the building office about a permit
A roof with missing tiles and exposed wooden battens against a pale sky.

Questions people ask before they call

Request a call
Is Roof After Hail a city building office?

No. We are an independent guide. Any company that calls you is a private roofing contractor, and it is not a building department.

Does it cost anything to ask for a call?

No. Sending the form does not hire anyone. If you decide to hire a company, its fees are between you and that company, so ask about them on the call.

Can a company promise the insurer will pay for a new roof?

No one on this site can promise that. Coverage is the insurer's decision. The Texas Department of Insurance says it is illegal in Texas for a contractor to offer to waive, rebate, or absorb your deductible.

What happens after I send the form?

Roof After Hail and one or more roofing companies that serve your area may call and text you at the number you entered, as the consent box explains. You can tell them to stop at any time.

Do you need my insurance policy number?

No. The form never asks for it, and you should not type it into any field on this site.

Talk through the hail on your roof

Ask for a call. Asking is free, and you decide what happens after you talk.

Request a call