Hail Damage Repair in Virginia

What this service includes

• Test-square inspection to quantify impacts
• Inspection of soft metals, vents and gutters for corroborating evidence
• Documentation suitable for an insurance claim
• Repair or replacement of affected slopes

Warning signs

• Random dark bruises where granules are displaced
• Dents in gutters, downspouts, vents or fascia
• Split or cracked shingles with no directional pattern
• Granules in gutters after a known hail event

Common causes

• Convective storms, most often in spring and early summer

Systems and materials involved

• Asphalt shingle
• Metal
• Slate
• Low-slope membrane

Repair or replace?

Hail damage is often slope-specific. If only one or two slopes were struck, a partial repair may be appropriate - but matching aged shingles can be difficult, which is a common point of negotiation with insurers.

How the work is carried out

1. Confirm a hail event actually occurred at your address
2. Obtain an independent inspection with test squares and photos
3. File the claim and attend the adjuster inspection
4. Compare scopes and resolve differences before work begins

What affects the cost

• Number of slopes affected
• Availability of matching material
• Whether accessories such as gutters and vents were also damaged
• Policy deductible and coverage type (replacement cost vs actual cash value)

Virginia-specific considerations

Hail frequency varies widely across Virginia and is generally higher in the Piedmont and Valley than at the coast. Verify that a hail event was actually recorded at your location using the NOAA Storm Events Database before assuming damage.

Questions to ask contractors

• How many test squares did you inspect and what did you find?
• Can you show me the difference between hail damage and normal wear on my roof?
• Are you licensed in Virginia, and what is your license number?
• Can you provide a current certificate of general liability and workers' compensation insurance?
• Who pulls the permit, and which jurisdiction issues it?
• What is included in the written scope - underlayment, flashing, ventilation, decking allowance and disposal?
• What warranty covers workmanship, and what covers materials?
• Who will be on site each day, and is the crew employed by you or subcontracted?