Here's the part most homeowners miss: hail damage is often covered by your homeowners insurance — but only if it's documented before the next storm, and only if you file in time.
Think a recent storm hit your roof? Get a free hail damage inspection with close-up photos.
How Hail Damages Your Roof
Hail doesn't always punch holes. More often it bruises shingles — cracking the fiberglass mat underneath while the surface looks almost fine. Those bruises:
- Knock off protective granules, exposing asphalt to UV
- Weaken the shingle so the next storm finishes the job
- Void manufacturer warranties if left unaddressed
- Shorten your roof's life by years
From the driveway, a hail-damaged roof can look perfectly normal. That's why insurers send adjusters up ladders — and why you want someone on your roof who knows what they're looking at. See our guide: how to tell if hail damaged your roof →
Our Hail Damage Process
- Free inspection with photos. We document every slope, every hit, with close-up photos and a written assessment.
- Insurance claim filing. We help you file correctly and meet your adjuster on-site so nothing gets overlooked. Read the full claim guide → Oklahoma's time limits on hail claims are strict — don't sit on damage.
- Full repair or replacement. Once approved, our local crews complete the work to manufacturer specifications, so your warranty stays intact.
- Final walkthrough. We inspect every detail with you before we call it done.
Why Timing Matters in Oklahoma
Hail season runs roughly March through June, but Oklahoma gets damaging hail year-round. Insurance carriers expect prompt claims — waiting a year (or three) gives them room to argue the damage is old or from a different storm. If your neighborhood just got hit, the clock is already ticking.
Storm surge note: after a major hail event, Tulsa roofers book out fast. Getting inspected in the first days after a storm puts you at the front of the line — for both the crew schedule and your insurance claim.
Think You Might Have Hail Damage?
Look for: dented gutters and downspouts, damaged window screens, dings on your AC unit or mailbox. If your car got hailed on, your roof did too.
If the damage is widespread, a full roof replacement through insurance may cost you only your deductible.
Contact Us — Free Inspection, No Obligation
Hail Size vs. Roof Damage: What to Expect
Not all hail is equal. Here's the rough scale roofers and adjusters use:
- Pea / marble size (under 0.5") — rarely damages shingles, but can dent soft metals (gutters, flashing).
- Quarter size (~1") — the threshold where asphalt shingles start bruising. This is where most Tulsa claims begin.
- Golf ball (~1.75") — expect widespread bruising, cracked shingles, and damaged vents and flashing.
- Baseball+ (2.75"+) — can fracture decking, destroy skylights, and total a roof in one storm.
Direction matters too: wind-driven hail hits one or two slopes hardest, which is why adjusters inspect slope by slope rather than declaring the whole roof at a glance.
What Insurance Adjusters Actually Look For
Knowing the adjuster's playbook helps you understand our documentation. On a typical hail inspection, the adjuster will:
- Mark test squares (usually 10×10 ft areas) on each slope and count bruised shingles within them
- Check collateral damage — gutters, downspouts, window screens, AC fins — to corroborate hail size and direction
- Look for mat fractures you can feel by pressing a bruised shingle (it gives slightly, like a bruised apple)
- Distinguish hail from blistering, algae, or mechanical damage — not every mark is hail, and misidentification cuts both ways
This is exactly why we meet adjusters on-site: an extra documented slope can be the difference between a repair check and a full replacement approval. Read our full claim guide →