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How Hail Storms Cause Catastrophic Property Damage

Last updated October 25, 2026

The short answer

What Hail Does to Your Roof

Hailstones can be as small as peas or as large as grapefruits. When they hit your roof, the force can crack asphalt shingles, dent metal panels, or even punch holes in softer materials. Even if the roof looks fine from the ground, hidden damage can compromise its ability to shed water.

After a storm, check for loose or missing shingles, dents in gutters, and granules in your downspouts. If you see any signs, have a professional inspect the roof from above. Small cracks can let water into the decking and insulation, which may lead to rot and costly repairs.

  • Cracked or missing shingles
  • Dents or punctures in metal roofing
  • Granules from asphalt shingles in gutters
  • Water stains on ceilings or walls
  • Soggy insulation in the attic

Windows and Siding Take a Beating

Hail can shatter windows, especially if the stones are large or the wind drives them sideways. Broken glass not only lets rain in but also creates a safety hazard. Siding, whether vinyl or wood, can crack or chip, exposing the wall to moisture.

After a storm, walk around your home and look for cracked glass, dents in siding, and gaps around window frames. If you find damage, board up broken windows to keep water out and prevent further issues. A professional can repair the siding and replace the glass properly.

  • Cracked or broken window panes
  • Dents or punctures in vinyl siding
  • Gaps around window frames
  • Water stains on interior walls near windows

Water Intrusion Leads to Bigger Problems

Once hail creates an opening, rainwater can enter your home. It may travel along rafters, soak into drywall, and pool in low spots. This hidden moisture can weaken structural wood, rust fasteners, and create an environment for mold to grow.

The longer water sits, the more damage it causes. Mold can start growing within a day or two, and soaked insulation loses its ability to keep your home comfortable. If you notice a musty smell or see water stains, address the source quickly and consider calling the pros for a thorough water damage inspection.

How to Check Your Home After a Storm

After the hail stops, do a careful walk around your property. Look at the roof from a distance, check the attic for light coming through, and inspect every room for water spots. Also check your gutters and downspouts for blockages from hail debris.

If you live in Frisco, keep a flashlight handy and check your attic after a storm. Document any damage with photos and notes. That record can help if you file a claim with your insurance company. Policies vary, and your insurer decides what is covered.

When to Call in the Pros

Some hail damage is obvious, like a broken window, but other damage is hidden. A professional water damage inspection can find moisture in walls, under roofing, and in insulation that you might miss. The pros use moisture meters and thermal cameras to locate problem areas.

If water has already soaked into your home, the pros can dry out the structure and prevent mold. They can also help with repairs, from replacing drywall to fixing roof decking. Acting quickly after a storm gives you a better chance to limit long-term damage.

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Frequently asked questions

How big does hail have to be to damage a roof?

Hail as small as one inch in diameter can cause damage, especially if the wind is strong. Larger stones, like two inches or more, can easily crack shingles or dent metal. Even small hail can cause problems if it accumulates and blocks drainage.

Can hail damage cause mold to grow?

Yes, if water gets into your home and stays there, mold can start growing within 24 to 48 hours. Mold can spread on drywall, wood, and insulation. If you suspect mold, see a doctor if you feel unwell and consider having a professional assess the situation.

What should I do right after a hail storm?

First, check for immediate hazards like broken glass or downed power lines. Then, document the damage with photos and notes. Cover broken windows with plywood or plastic to keep water out. Finally, contact a professional for a thorough inspection.

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