What does hail damage look like on a metal roof, and does it matter?
Short answer. Hail usually leaves round dents on metal roofs, and many are cosmetic, but larger hail can crack the paint, deform seams, damage fasteners and washers, or puncture thinner panels. The difference matters for both the roof's lifespan and your insurance claim, so inspect closely and document after any significant hailstorm.
What to look for
- Dents in panel flats. Common and often cosmetic; check whether the coating cracked at the dent.
- Dents on ribs and seams. More significant, because they can distort how panels lock together and shed water.
- Cracked or chipped coating. Exposed steel will rust, especially in Georgia humidity.
- Fasteners. On exposed-fastener roofs, look for crushed washers or screws knocked loose.
- Flashing, ridge cap and trim. Thinner metal dents more easily.
- Gutters, vents and skylights. Collateral damage that supports the storm timeline.
Hail size and metal
Small hail often leaves no visible marks. Stones around an inch and larger are more likely to dent, and very large hail can damage even heavy-gauge panels. Panel thickness, profile and whether there is solid decking beneath all affect how a roof takes hail. Look up your area on the North Georgia Hail Map.
After a storm
- Photograph from the ground and safe vantage points; metal is slippery and dents underfoot.
- Check the attic for new leaks.
- Read your policy for a cosmetic damage exclusion; see cosmetic damage exclusions.
- Get an inspection with close-up photos before filing, so you know what kind of damage you have.
More on metal in metal roofing in Georgia and on storm timing in Georgia hail season.