Hailstorms move fast—and so do the myths that follow them. Believing the wrong thing can delay repairs, void warranties, or shrink your insurance payout. Here’s what to know.
Myth #1: “If I can’t see damage from the ground, I’m fine.”
Granule loss, bruised shingles, and micro‐cracks aren’t obvious from the driveway. A trained inspector checks shingles up close, plus soft metals (vents, flashings, gutters) that show hail impact more clearly.
Myth #2: “No leak = no damage.”
Leaks can take months to show. Bruised shingles and cracked seals let water in slowly, leading to rot, mold, or interior stains later—often after claim deadlines pass.
Myth #3: “My neighbors are fine, so I’m fine.”
Hail falls in narrow streaks. One block can get pea-sized hail; the next, golf balls. Your roof needs its own inspection and documentation.
Myth #4: “Photos are enough for an assessment.”
Pictures help, but an in-person inspection is what confirms bruising, soft metal strikes, torn seals, and compromised flashing—especially on high slopes and ridges.
Myth #5: “I’ll wait and file one big claim later.”
Most policies have time limits to file (often 6–12 months). Waiting risks denial, additional damage, and higher out-of-pocket costs.
Myth #6: “Insurance covers any hail issue.”
Policies exclude wear-and-tear and pre-existing problems. You need clear evidence that storm impact caused the damage—not age, poor ventilation, or past neglect.
Myth #7: “A quick patch is as good as a system repair.”
Mixing old and new shingles can cause color mismatch and void manufacturer warranties. If impact is widespread, a full slope or roof replacement is often the right fix.
Myth #8: “Hail only hurts shingles.”
Hail also dings gutters/downspouts, cracks pipe boots, dents ridge vents, loosens flashing, and crushes A/C fins. Miss these and you’ll keep chasing leaks.
Myth #9: “Any contractor can meet my adjuster.”
You want a licensed, insured, local roofer who documents damages, meets the adjuster on-site, and handles supplements if hidden issues appear.
What to do after a hailstorm
- Stay safe. Watch for loose shingles or downed power lines.
- Take quick photos of yard and exterior while evidence is fresh.
- Book a professional roof inspection to confirm damage and create a report.
- File your claim (if the inspection supports it) and schedule the adjuster meeting.
- Temporary protection (tarping/spot sealing) if needed to prevent further damage.
Bottom line: Fast, professional documentation protects your home and your claim. If you’re in GA, TN, AL, SC, or IA, Universal Roofing & Construction can inspect, document, meet your adjuster, and get you watertight quickly.