The short answer
Photograph the ice next to a coin, the roof from the ground, and any interior stain. Make only temporary repairs, such as a tarp, until the insurer has seen the loss. Call the company if the damage may beat your deductible. Ask who is registered or permitted in your city before anyone tears shingles, and do not sign an assignment of benefits just because someone is at the door.
On this page
The ice melts while you look for a plan. Record what fell, keep more water out, then decide who should look.
Photograph the ice and the roof
The NWS hail-size chart treats a quarter, 1.00 inch, as severe hail. A pea is 0.25 inch. A golf ball is 1.75 inches. A baseball is 2.75 inches. Photograph the stones next to a coin before they melt. Stay on the ground if the slope is wet.
Look at the shingles from the yard, the granules in the gutter, and the attic for a wet stain. Does homeowners insurance cover hail damage to a roof? is the coverage page.
Call the insurer if the loss may beat the deductible
The Texas Department of Insurance claim sheet says to contact the company right away, list the damage, and make only the repairs needed to keep more water out. Keep the receipts. Do not make permanent repairs until the company has seen the loss.
Texas also says most inland homeowners policies pay for wind and hail much like they pay for fire, though a separate wind deductible can apply. A coastal house may need a separate windstorm policy, including from the Texas Windstorm Insurance Association. A TWIA claim has one year from the storm.
How long do I have to file a hail claim? keeps the filing clocks together.
Decide who should look
We do not print a national roof price we cannot source. How much does a roof cost after hail? has the one local fee we can cite.
Put even a small bruise on one shingle in the photos for that written look. Missing covering, a lifted flashing, or water in the attic is a reason to get one sooner.
Watch the paper at the door
Kansas Senate Bill 55, in the 2026 Session Laws, Chapter 32, makes a post-loss assignment of residential property benefits void. Nebraska says you do not have to sign one. Texas bars a roofer from acting as your public adjuster while doing the work. Can I sign the hail claim over to a roofer? is that split. Kansas now bans signing a hail claim over to a roofer is the 2026 change.
After hail in Wichita, Kansas voids a signed-over claim., Read the roofer rules before anyone tears shingles., Hail in Omaha? Talk through the repair before you sign an assignment., and After hail in Pueblo, the city reroof permit is $135. keep the local permit and climate notes.
When a contractor starts to make sense
A crew starts to make sense when the covering is open, a flashing lifted, or your city wants a reroof permit. How to judge a roofer who shows up after hail is the checklist for that call.
Questions people ask next
Sources
Who wrote this page
- Written by
- Roof After Hail editorial staff. Who runs this site
- Licensed professional
- None. No licensed roofing contractor or public insurance adjuster has checked this page.
Talk through the hail on your roof
Roof After Hail and one or more roofing companies that serve your area may call and text you to talk through what you are seeing. Asking is free, and the call is not a bid.