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What Should I Do If My House Has a Hail-Damaged Roof in San Francisco?

Protect your hail-damaged roof in San Francisco with expert inspections and fast repairs.
Spot hidden damage early to prevent leaks, mould, and costly repairs.
File insurance claims efficiently with professional guidance and documentation.

San Francisco’s weather may be known for fog, but hailstorms do show up, and when they do, they don’t hold back. A hail-damaged roof isn’t always easy to spot, but ignoring it can lead to bigger issues: leaks, mould, insulation problems, and unexpected repair bills.

If your home just faced a hailstorm, don’t panic, but don’t wait either. A few simple actions can protect your home and save you serious money.

What is Hail-Damaged Roof?

A hail-damaged roof occurs when hailstones hit your roof with enough force to cause dents, cracks, or tears in your roofing materials. It can also knock off granules, bend gutters, or loosen flashing, even if the damage isn’t easy to see right away.

Over time, even small dings can turn into leaks, mould, or insulation issues. That’s why early detection is so important.

image is showing hail-damaged roof

How Do I Know If My Roof Has Hail Damage?

Most damage caused by hail isn’t something you’ll notice right away. It hides behind shingles, in the attic, or shows up weeks later as water stains.

Here are a few signs to watch for:

  • Dark, squishy spots on shingles
  • Missing granules (check online roof hail damage pics to compare)
  • Bent gutters or cracked flashing
  • Ceiling stains or damp attic smells

Still unsure? 

It’s best to get a local pro to check it out; better safe than soaked.

Think your roof took a hit?

Schedule a free inspection with top-rated hail damage roofers in San Francisco today.

What Should I Do Immediately After Hail Damage to My Roof?

Here’s the deal: time matters. Here’s what to do right after the storm passes:

  1. Take pictures – Snap close-ups and wide shots of your roof, gutters, and surroundings.
  2. Don’t climb up – It’s risky. Let the experts handle it.
  3. Call a roofer ASAP – Especially one that deals with hail damage roofing.

A good contractor will not only check your roof, but also help you figure out what to tell your insurance company.

Should I Replace My Roof After Hail Damage?

Sometimes yes, sometimes no.

If your roof is older or the damage is spread all over, replacement is usually the smarter move. It might even be fully or mostly covered by insurance. Roofers trained in spotting hail damage on a roof can tell you for sure.

How to Fix a Damaged Roof After a Storm

Fixing it isn’t just about slapping on a few shingles. A proper repair might include 3 simple steps:

  1. Replacing damaged shingles
  2. Checking underlayment and flashing
  3. Making sure your roof is sealed up tight again

Don’t try to DIY it. Hail damage can be sneaky. A pro knows where to look, what to replace, and how to keep it all under warranty.

Don’t take chances with hidden roof damage.

Book a repair with trusted hail damage roofing companies near you.

How to File a Claim for a Damaged Roof After a Storm

Don’t let the paperwork scare you; filing a claim is pretty straightforward when you know the steps.

Check your policy – Know what’s covered and what your deductible is.

Call your roofer first – They can document real damage and give solid advice.

Schedule your adjuster visit – Your roofer should also be present. Two sets of eyes are better than one.

Get estimates in writing – That way, you’re clear on what needs to be done and what it’ll cost.

You Know What?

According to insurance industry data, more than 40% of homeowners wait too long to file a roof damage claim after a storm, often missing the deadline for filing.
In many cases, they don’t file at all because they assume the damage isn’t “bad enough,” only to face huge out-of-pocket costs later.

How Much Does It Cost to Replace a Roof After Hail Damage?

In San Francisco, replacing a hail-damaged roof isn’t cheap, but it might be more affordable than you think with insurance.

 Average cost: $8,000–$20,000, depending on the size and type of roof.

If you’ve got quality photos or roof hail damage images from your contractor, your insurance company is more likely to help foot the bill.

You Know What?

A single hailstorm can hit your roof with up to 1,200 pounds of pressure per square inch, which is more than enough to cause serious damage, even if you can’t see it right away.

Final Thoughts

Dealing with a hail-damaged roof in San Francisco doesn’t have to be overwhelming. The key is acting fast, calling in the right help, and staying organised.

The longer you wait, the worse it can get. Whether it’s spotting damage, fixing leaks, or dealing with insurance, having a good roofer in your corner makes all the difference.

Don’t wait for the next rain to reveal the damage.

Schedule your inspection now and protect your home the smart way.

FAQs (Frequently asked Questions)

Should I replace my roof after hail damage?


If your roof’s older or heavily damaged, replacement might be the better call—and it could be covered by insurance.

How to fix a damaged roof after a storm?


First, get a professional inspection. Then repair or replace whatever’s been damaged—from shingles to underlayment.

How much does it cost to replace a roof after hail damage?


It usually ranges from $8,000 to $20,000, but your insurance may cover most of it.

How to file a claim for a damaged roof after a storm?


Take photos, call a roofer, meet with your insurance adjuster, and get clear written estimates for the work.

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