Hail size and roof damage: what insurers care about

Why size matters

Small hail can still damage shingles, but larger hail drastically increases claim severity.

Aged roofs and brittle shingles fail at lower thresholds.

Common damage thresholds

The exact thresholds vary, but these ranges are useful for planning.

• 0.75 to 1.0 inch: dents, granule loss, minor shingle bruising.
• 1.0 to 1.5 inch: widespread shingle damage, gutters and siding impacts.
• 1.5 to 2.0 inch: structural damage risk and high claim rates.
• 2.0+ inch: severe roof and window damage likely.

Roof materials and vulnerabilities

Asphalt shingles, tiles, and metal roofs all react differently to hail.

Older roofs with granule loss or brittle tiles are more vulnerable even at smaller hail sizes.

• Asphalt shingles: bruising and granule loss reduce lifespan.
• Tile roofs: cracks and edge breaks are common.
• Metal roofs: dents can be cosmetic but still affect resale and insurance.

Vehicles, windows, and exterior assets

Hail damage is not limited to the roof. Cars, skylights, and outdoor equipment are often the first losses.

Plan covered parking or temporary protection when severe hail is forecast.

What to document

Insurers prioritize evidence of recent impacts. Document roof condition before and after a storm.

• Date-stamped photos of shingles, gutters, and vents.
• Previous inspection records and repair receipts.
• Any interior leaks or ceiling stains.

After-storm inspection steps

Check for soft spots, granule loss, and dented vents before filing a claim.

Use a licensed roofer for inspection rather than climbing onto wet or damaged roofs.