Question 1

How do I know if my roof has hail damage?

Accepted Answer

Often you cannot tell from the ground — and that is the problem. Hail bruises on asphalt shingles look like dark circles where the granules were knocked away from the mat. On tile, hail damage can be hairline fractures invisible until water gets underneath. The only reliable way to assess hail damage is an on-roof inspection by someone who knows what to look for. That is what we do, at no cost.

Question 2

What is the typical size of Arizona monsoon hail?

Accepted Answer

Arizona monsoon hail ranges from pea-size (under 1/2 inch) to golf ball-size or larger in the most severe cells. Pea-size hail causes cosmetic and granule loss damage to shingles, and mortar crack damage to tile. Anything marble-size or larger can fracture tile directly and cause significant structural damage to shingles. Even small hail can push a marginal roof into legitimate claim territory by accelerating failures already in progress.

Question 3

My area had a hailstorm two months ago. Is it too late to file a claim?

Accepted Answer

Probably not — most policies give you a year from the event date, and some give more. But do not wait longer. The sooner you file, the easier it is to tie the documented damage to the specific storm event. Call us for a free inspection. We research local weather data and can pinpoint the storm event to include in your claim documentation.

Question 4

Does wind damage count the same as hail damage for insurance purposes?

Accepted Answer

Yes. Wind is a covered peril under standard Arizona homeowner policies. Lifted ridge caps, displaced tiles, torn flashing, and blown-off shingles are all wind damage claims. Monsoon microbursts — which can hit 60 to 80 mph in Arizona — cause substantial wind damage that adjusters should not be minimizing. We document wind damage the same way we document hail: thoroughly, with photos, and in a format adjusters use.

Question 5

What happens if I wait to fix storm damage?

Accepted Answer

Storm damage gets worse, not better. A cracked tile or lifted flashing that survives the first monsoon may leak in the second one. Water that gets into underlayment and decking causes rot, mold, and eventual structural damage that is far more expensive than the original roof repair. Arizona insurance adjusters also look at whether the homeowner acted reasonably to mitigate further damage after the event — letting it sit for a year can complicate a claim.

Storm & Hail Damage