Fresh dents in your gutters or shingle pieces in the yard can be clues after hail. They are a reason to check the roof. They do not prove that the whole roof is damaged.
Start from a safe spot on the ground. Wait for dangerous weather to pass and stay away from fallen wires or unstable limbs. Leave roof access to a trained crew.
Look for changes you can see safely
Check for fresh marks on gutters, roof edges and siding. Note any missing roof material you can see from below. Indoors, look for new water stains or drips without entering unsafe spaces.
Take photos and write down when you first saw the damage. Old photos may help show what has changed. Be honest when you are unsure whether a mark is new.
Know what these clues cannot tell you
Metal and shingles respond differently to an impact. A dented gutter does not tell you how many shingles need repair. Loose granules can have causes besides hail, such as age or wear.
Do not climb up to press on shingles or search for soft spots. You could damage the roof or fall. A close inspection can help sort out the cause and needed work.
Ask for photos and an explanation
Have the roofer show you the areas that need attention. Ask whether the marks affect the roof’s ability to keep water out. Find out if the problem is limited to one area or is more widespread.
A useful report should also note what could not be checked. Some damage may be hidden below the roof covering.
Take care of leaks and reporting
Stay clear of sagging ceilings and water near lights or outlets. Get urgent help if your home is unsafe. Ask a roofer about temporary protection once it is safe to work.
Contact your insurer promptly about the possible loss and reporting rules. Do not wait for a complete inspection report if that would delay required notice. Save receipts and photos of temporary work.
Our storm damage checklist explains these steps. For help with coverage terms, read the Texas Department of Insurance’s home insurance guide .
Arrange a roof inspection
Cox Brothers Roofing serves Cuero, Victoria, Goliad and nearby towns. We can check the roof, explain what we find and quote any needed work. Your insurer decides what the policy covers.
Request a free roof inspection or call (361) 277-0014.
