Common Myths
Hail Damage & Roof Repairs: Separating Fact from Fiction
Misconceptions About Storm Damage That Could Cost You
Hailstorms can leave lasting damage to your roof, but misinformation often leads homeowners to make costly mistakes. Some believe minor dents are harmless, while others assume insurance will automatically cover all repairs. These misunderstandings can result in delayed action, denied claims, and unnecessary expenses. Let’s set the record straight.
Myth #1: No Missing Shingles Means No Damage
✅ Truth: Hail can cause hidden issues that weaken your roof over time.
Many homeowners assume their roof is fine if they don’t see missing shingles. However, hail impact can loosen granules, crack shingles, and compromise the protective layers underneath. These issues aren’t always visible from the ground but can lead to leaks months later. A professional inspection is the only way to ensure your roof is truly undamaged.
Myth #2: Insurance Covers All Hail Damage No Matter What
✅ Truth: Claims must meet specific criteria to be approved.
While most homeowner’s insurance policies include hail damage coverage, insurers will assess whether the damage is severe enough to warrant repairs. If they determine the wear is minor or caused by aging rather than storm impact, they may deny your claim. Additionally, many policies have strict time limits for filing—waiting too long could mean paying out of pocket.
Myth #3: I Can Wait to File a Claim Without Consequences
✅ Truth: Delays can lead to denials or out-of-pocket costs.
Some homeowners think they have plenty of time to file a claim after a storm, but insurance companies often set deadlines for reporting damage. Waiting too long can also allow minor issues to worsen, potentially leading to structural problems that may not be covered. Acting quickly ensures you receive the coverage you’re entitled to.
Myth #4: Roof Repairs Are Always a Huge Expense
✅ Truth: Insurance may cover much of the cost, leaving you with only the deductible.
Many homeowners fear roof repairs will break the bank, but most standard policies cover hail damage repairs after the deductible is paid. The key is to work with a roofing company that understands insurance claims and can help you maximize your benefits while ensuring quality repairs.
Myth #5: All Roofers Are Equally Reliable
✅ Truth: Some contractors cut corners, overcharge, or disappear after the job.
After a storm, unlicensed contractors and out-of-town “storm chasers” often flood affected areas, offering quick, cheap fixes. These companies may use low-quality materials, skip permitting requirements, or disappear before warranty issues arise. Choosing a well-reviewed, local roofing company ensures accountability and long-term support.
Myth #6: If My Roof Isn't Leaking, It Doesn’t Need Repairs
✅ Truth: Structural damage can take months or years to reveal itself.
Hail can create micro-fractures in shingles, weaken seals, and cause slow granule loss. Even if you don’t notice immediate leaks, untreated hail damage can shorten your roof’s lifespan, lead to mold growth, or cause higher energy bills due to poor insulation. Proactive inspections prevent costly future repairs.
FAQs: What Every Homeowner Should Know
- How can I tell if my roof has hail damage?
A professional inspection is the best way to confirm damage. Common signs include bruised shingles, granule loss, dented gutters, and cracked flashing. - Will my insurance premiums go up if I file a claim?
Insurance companies don’t raise individual rates due to storm damage claims, but widespread storm activity in your area may affect premiums for all homeowners. - Can I fix hail damage myself?
DIY repairs often overlook hidden structural issues and can void warranties. A licensed contractor ensures proper assessment and high-quality repairs. - What if my insurance denies my claim?
You can request a second inspection or seek help from a public adjuster who specializes in negotiating claims with insurance companies. - When should I schedule a roof inspection after a storm?
Immediately. The sooner your roof is inspected, the stronger your case for an insurance claim.
Why Choose a Trusted Local Roofing Company?
✔ Free Inspections – Catch hidden damage before it worsens.
✔ Expert Insurance Guidance – Navigate the claims process with ease.
✔ Certified & Insured Professionals – Quality repairs backed by warranties.
✔ Transparent Pricing – No hidden fees or surprise costs.
✔ Local & Reliable – Serving the community long after the storm passes.
You ask, we answer
- Serving DFW
- 940-222-1034
- [email protected]
Ready to Start? Get a quote now!
Contact us today to schedule your consultation and experience roofing and gutter solutions built on trust and excellence!