When the Sky Opens Up
Hailstorms are loud, dramatic, and often leave homeowners worried about their roof. But here’s the truth: not every hailstorm spells disaster, and not every dimple you see is a sign your roof is failing. Unfortunately, storm chasers prey on this fear, knocking on doors and insisting you need a full replacement whether you do or not.
The best defense? Knowing the facts about hail damage and separating them from the myths.
Myth #1: Every Hailstorm Damages Your Roof
Fact: The size, density, and speed of hail all matter. Quarter-sized hail may bruise shingles, while pea-sized hail usually won’t. A roof in good condition can shrug off smaller hail, while an older roof may fail under the same storm. It’s not just about whether it hailed — it’s about how the roof responds.
Myth #2: If You Don’t See Leaks, You’re Fine
Fact: Hail damage doesn’t always cause immediate leaks. Instead, it knocks off protective granules, weakens the shingle mat, or dents flashing. These “invisible” issues shorten your roof’s life and may void your manufacturer’s warranty. You might not notice the effects for months or even years.
Myth #3: Dents on Gutters or Siding = Automatic Roof Damage
Fact: While hail can ding gutters, siding, or window screens, that doesn’t automatically mean the shingles took serious hits. Roofers look for functional damage — bruising, granule loss, or broken seals — not just cosmetic blemishes. Insurance companies use the same standard.
Myth #4: Insurance Always Pays for Hail Damage
Fact: Coverage depends on your policy, deductible, and the adjuster’s findings. Some policies exclude cosmetic damage, and some carry high deductibles for wind and hail. The insurance company looks for proof of functional damage. That’s why documentation from a trusted roofer is key.
Myth #5: All Roofs Handle Hail the Same
Fact: Material matters. Impact-resistant shingles and metal roofs typically hold up better than basic three-tab shingles. Age also plays a big role — older shingles are more brittle and prone to cracking under hail impact.
How Roofers Really Identify Hail Damage
A trained roofing professional knows what to look for:
- Soft spots: Bruised shingles that feel spongy to the touch.
- Granule displacement: Bare patches where asphalt is exposed.
- Cracks or splits: Especially along shingle edges or valleys.
- Dented flashing or vents: Evidence hail struck with enough force to compromise metal.
- Pattern of damage: Random scatter across slopes, not just isolated blemishes.
Why Documentation Is Critical
Insurance adjusters don’t just take your word for it. They require photos, measurements, and professional notes. Without proper documentation, valid claims can be denied. That’s why reputable roofers photograph every slope, vent, and valley — not only for your records but to support your case with the insurance company.
Tennessee-Specific Risks
Middle Tennessee sees frequent spring and summer storms with hail, often combined with high winds. This combination can lift shingles while bruising them, creating leaks months later. Because we sit in a high-risk hail zone, it’s smart to schedule a post-storm inspection even if damage isn’t obvious.
Red Flags: Don’t Get Scammed
Unfortunately, hail season brings out the worst in opportunists. Watch out for:
- Out-of-state storm chasers offering “free roofs.”
- Contractors who pressure you to sign an agreement immediately.
- Companies unwilling to show proof of license, insurance, or local references.
A true professional will explain what they see, show photos, and let you make the decision without pressure.
Pro Tip
If one or more neighbors are filing hail claims after the same storm, schedule an inspection. Storms don’t always damage every home the same, but if roofs nearby are impacted, yours may be too.
The Bottom Line
Hail damage isn’t something to panic over — but it’s not something to ignore either. Knowing the difference between myths and facts helps you avoid scams, protect your warranty, and make informed insurance decisions.
Suspect Hail Damage?
👉 Schedule a Free Hail Damage Inspection
📞 Call (931) 221-2115 and let Hoots Roofing provide honest answers, clear documentation, and peace of mind.