Here in Michigan, we’re no strangers to unpredictable weather—and when spring and summer storms roll through, hail damage can be a real concern for homeowners. While it might seem like “just a few dents” or “a couple of shingles out of place,” hail can cause more serious damage than you might realize.
At BC Exteriors, we’ve worked with countless homeowners across Southeast and Mid-Michigan who were surprised to learn their roof had been significantly damaged by hail—and even more surprised to find out insurance may cover the cost of a full roof replacement.
Let’s walk through why hail damage matters, how insurance plays a role, and what to do if you think your roof may have been affected.
Why Hail Is a Big Deal for Your Roof
Hail may only last a few minutes, but the damage it leaves behind can last for years if not addressed. Even small hailstones can loosen the protective granules on asphalt shingles, crack shingles, dent metal components, and cause issues with your roof’s overall structure and ability to shed water.
Over time, these seemingly minor issues can lead to:
- Leaks
- Mold or mildew in your attic
- Premature shingle deterioration
- Voided manufacturer warranties
And the tricky part? You may not even notice the damage from the ground. That’s why a professional inspection is so important after a hailstorm.
How Insurance Companies View Hail Damage
The good news is that most homeowner’s insurance policies cover hail damage—even if your roof isn’t actively leaking yet. Why? Because insurance companies understand that:
- Hail damage significantly lowers the lifespan of your roof
- Early intervention is more cost-effective than waiting for major issues
- Hailstorms are considered “sudden and accidental damage“, which qualifies as a covered peril under most standard policies
If your roof has sustained enough damage to compromise its integrity, your insurance company may cover the full cost of a roof replacement, minus your deductible.
At BC Exteriors, we’ve helped many Michigan homeowners navigate this process—we can walk you through the steps, help with documentation, and make sure your adjuster sees the full scope of the damage.
How to Know If You Have Hail Damage
Hail damage isn’t always obvious, but here are a few signs to look for:
- Dents or bruises on shingles (they may look like small dark spots)
- Granules in your gutters or at the base of your downspouts
- Dented metal flashing, vents, or gutters
- Damaged siding, window trim, or decks
If you suspect hail damage—or just want peace of mind after a storm—give us a call for a free roof inspection. We’ll assess your roof thoroughly and give you an honest, detailed report.
Why You Shouldn’t Wait to Address Hail Damage
Even if your roof looks fine from the street, hidden hail damage can lead to bigger problems down the road. And the longer you wait, the more likely it is that your insurance company may deny your claim due to delayed reporting.
Here’s why acting quickly matters:
- Most policies require hail damage to be reported within a certain timeframe
- Getting an inspection early gives you time to file a claim before the damage worsens
- A new roof not only protects your home—it increases your property value and curb appeal
And don’t worry—we’ll be with you every step of the way. From the inspection to working with your insurance adjuster to completing your replacement with high-quality materials, BC Exteriors makes the process smooth and stress-free.
Let’s Make Sure You’re Covered—Before the Next Storm Hits
If you’ve recently experienced a hailstorm, don’t leave your roof’s condition to chance. Let the trusted team at BC Exteriors help you assess the damage and determine whether your insurance may cover a full replacement.
Call us today or fill out the form on the home page to schedule your free hail damage inspection.
We’re here to protect your home like it’s our own—because we live and work in the same communities you do. Let’s make sure your roof is ready for whatever Michigan weather sends your way next.