The Rich Co Inc

Hail under 1 inch rarely causes damage. Quarter-sized (1 to 1.25 inches) is often the insurance threshold. 1.5 inches or larger frequently leads to replacement. Older shingles fail sooner. Only a professional inspection confirms real damage.

A typical claim runs three to eight weeks. If the insurer's first estimate misses damage, a supplement is filed to cover the full scope. This adds about two to four weeks but is standard practice and worth the wait.

Most homeowners' policies cover hail damage under dwelling coverage. Payouts depend on deductibles, RCV vs ACV terms, and inspection quality. A complete claim should include gutters, windows, siding, and paint, not just the roof.

Check for granule loss, bruising, and dents on gutters, vents, or AC units. Torn screens and paint spatter often point to storm intensity. Don't climb the roof yourself. An independent inspection documents the damage before your insurer sets the scope.