What Does Hail Damage Look Like on a Roof? (Photo Guide for North Texas Homeowners)

Most hail damage in Plano, Allen, and Frisco is invisible from the ground. That's the whole problem — it looks fine, so you never file, and years later you're paying out-of-pocket for a roof insurance would have covered. It's the single most common reason homeowners call us for hail damage roof repair in Plano.

What real hail damage looks like

Bruises. Round, dark spots on shingles roughly the size of a nickel to a golf ball. The dark color is the asphalt underneath, exposed where hail knocked the protective granules loose. That granule loss is what shortens the shingle's life.

Fractures. Cracks radiating out from an impact point, sometimes only visible when the shingle is flexed.

Splits. Straight cracks along the shingle grain, often from bigger hail (quarter+ size).

Ground-level clues you can check yourself

1. Downspout splash zones. Look at the concrete or grass where your downspouts drain. Piles of dark granules the size of coarse sand = hail knocked them loose.
2. Metal roof vents and turbines. Round dents in metal vents are near-proof of a significant hail event.
3. Gutter tops. Small round dings along the top lip of your gutters.
4. Window screens. Torn or shredded window screens on the storm side of the house.
5. Wood fence tops and A/C fins. Splintered fence tops and bent A/C condenser fins are hail giveaways. If the same storm brought high wind or downed limbs, read up on storm damage restoration for North Texas homes too.

What's cosmetic, not damage

• Missing granules in a straight line = normal weathering, not hail.
• Curling or cupping shingles = age and heat, not hail.
• Black streaks = algae, purely cosmetic.

When to call for an inspection

If you saw any hail bigger than a marble during a storm, or if you notice any of the ground-level clues above, get a free roof-level inspection. Texas insurance carriers generally require you to file within one to two years of the storm date — some sooner. Waiting shortens your window. Before you decide, it helps to know what a 2026 roof replacement costs in Plano so you can weigh a claim against paying out of pocket.

Once you know damage exists, our step-by-step Texas insurance claim guide walks through filing, deadlines, and the adjuster meeting.

What we do on a free inspection

1. Climb the roof and inspect every slope.
2. Chalk-mark hail hits so they photograph clearly.
3. Photograph 40–80 images depending on roof size.
4. Deliver a written verdict — damage or no damage — with photos, at no charge.
5. If damage exists, we help you file the claim and meet your adjuster on-roof.

Book your free inspection.