How to tell if hail hit your roof
Start on the ground. Look for dents in gutters, downspouts, window screens, AC units and car hoods. If those show dings, your roof probably took hits too.
On the roof itself, hail leaves dark spots where granules got knocked off, soft bruises in the shingle mat, and cracks. Metal vents and flashing often show round dents. Please don't climb up yourself. A free inspection with photos is safer and gives you something to show your insurer.
Should you file a claim?
If the damage is spread across the roof and the repair would cost much more than your deductible, a claim usually makes sense. If it's a few shingles, paying for a repair yourself may be the better move.
Most policies have a time limit for reporting storm damage, so don't wait months. Check your policy or call your agent to confirm the deadline.
What happens when the adjuster comes
Your insurance company sends an adjuster to inspect the roof. It helps to have your roofer there. We point out the damage, share our photos, and make sure things like vents, flashing and gutters aren't missed.
If the claim is approved, you'll get a scope of work and a payment, often in two parts. You typically pay your deductible, and the insurer covers the rest of the approved work.
Watch out for storm chasers
After big storms, out-of-state crews knock on doors and sometimes offer to cover your deductible. That's illegal in many states and a red flag. Hire someone local you can call next year if something goes wrong.