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How to Know If Your Roof Has Storm Damage

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How to Know If Your Roof Has Storm Damage

Catch the signs early, before leaks start or your insurance filing window closes.

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What to expect

Texas storms don't ask permission, they hit fast, hard, and leave a trail of damage that homeowners often don't notice until leaks start or insurance deadlines pass. The good news: catching the signs early can save you thousands and protect your insurance eligibility.

Here's how to check your roof safely, and what warning signs actually matter. If you'd rather skip the ladder and get a free drone inspection from our storm response team, we're available Monday through Saturday.

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Wind Damage

Check for Missing, Lifted, or Creased Shingles

Wind damage often shows up before hail does: and even a few compromised shingles can let water in.

Walk the perimeter of your home after any significant storm and scan the roofline. You don't need to get on the roof to spot the biggest red flags.
  • Shingles that flap or lift when the wind blows
  • Visible creases across the shingle face
  • Corners missing or shingles curling upward
A residential roof with dark shingles and protective shield icon displayed during severe weather conditions, illustrating storm damage protection and roofing durability.

Hail Damage

Look for Hail Bruising or Granule Loss

Hail impact doesn't always leave dents you can see from the ground: but the evidence is there if you know what to look for.

Granule loss accelerates aging and voids some manufacturer warranties. Once the protective granules are gone, UV exposure breaks down the asphalt underneath fast. If you're in Fort Bend County or Greater Houston, hail events are common enough that a post-storm check should be routine.
Asphalt shingle roofing with yellow inspection markings visible on the roof surface during an assessment or quality control process.

Inspect Your Gutters and Downspouts

Storm damage often shows first in the gutter system: and insurance adjusters know it.

Hail Dents

Round impact dents along the gutter face are one of the clearest indicators that hailstones were large enough to cause shingle damage above.

Sagging Sections

Wind-loosened gutters pull away from the fascia. When the attachment points let go, water channels away from the foundation, and into places it shouldn't go.

Granule Buildup

A heavy flush of granules at the downspout after a storm means your shingles lost protective material. The more granules, the more exposed the asphalt underneath.

Look at Window Screens, AC Units, and Fencing

Secondary surfaces confirm storm direction and intensity: the same evidence an adjuster uses.

Insurance adjusters cross-reference damage across multiple surfaces to establish that a single storm event caused it. Soft metals like window screens and AC fins dent at the same hail size that damages shingles. If those surfaces are hit, the roof almost always is. Document everything with photos before you file, our step-by-step insurance claim guide walks through what to capture.
A residential roof and house exterior shown with weather hazard icons representing storm damage, hail, wind, and sun exposure in Texas.

Interior Check

Check Your Attic After Every Major Storm

This often reveals hidden damage before leaks reach the ceiling: and before mold takes hold.

  1. Moisture on rafters

    Active drips or damp wood after a storm means the roof envelope has been breached. Mark the location and call for an inspection before the next rain event.

  2. Water stains on sheathing

    Brownish staining on the roof decking indicates water has entered previously. It may not be active today, but the entry point is still open.

  3. Daylight through roof boards

    If light is coming in, rain is too. Any visible gap at boards or flashing needs to be addressed immediately. This is an emergency tarp situation.

  4. Musty smell

    Persistent musty odor in an attic with no obvious staining often means moisture is trapped inside insulation. A professional inspection can locate the source.

What a Proper Inspection Actually Covers

Texas insurance timelines are strict: typically 12 to 24 months to file. Don't risk missing your window.

  1. Document Everything

    Drone footage, photos, and video of every impact point. Hail date verification from certified storm reports. This is the foundation of a successful claim.

  2. File Before the Clock Runs Out

    Texas policies typically allow 12 to 24 months from the date of loss. Miss the window and the damage is your expense. Not the insurer's.

  3. No Cost Unless Damage Is Approved

    You don't pay anything unless damage is found and your claim is approved. The inspection is free. The documentation is thorough. The guidance is included.

Texas Weather Isn't Forgiving: Inspect Before the Next Storm

Insured Texas contractor serving Greater Houston: Richmond, Sugar Land, Katy, and Fort Bend County.

Every storm season, homeowners in Fort Bend County and the Houston metro file late, or not at all, because they assumed their roof was fine. Some of that damage was repairable early and became a full replacement by the time it was caught. If you have any doubt after a storm, the safest move is a professional inspection. We're a local, insured contractor based in Richmond, TX. Not a storm-chaser operation. We'll tell you straight what we find, and we can document it in a format your adjuster can actually use. Read more about how to document roof storm damage before you call your insurer.
Asphalt shingle roof with yellow inspection markings and chalk notation visible on the exterior roof surface.

Straight from Google

What Homeowners Are Saying

5.0verified Google reviews
Working with PPB Roofs & Restoration was a smooth process from start to finish. Communication was great the entire time, and they kept us updated throughout the project. The crew was professional, on time, and did an excellent job cleaning up afterward. The roof came out great and I’m very impressed. Definitely a company I would recommend to others.
Miranda GonzalesMiranda GonzalesGoogle
PPB Roof and Restoration were excellent on my roof replacement. They were not high pressure, nor did they try to up-sell on products I didn’t need. Their prices were more than fair. The entire process was easy and very straightforward. They completed our entire roof in one day. David my project manager and AJ the owner were both very helpful and responsive. We are very happy with the results and strongly recommend the company.
Bert & Diane MolinaBert & Diane MolinaGoogle
Ayden Diaz and Prime Property Builders offered a complimentary inspection of my roof when they were doing some repairs in my neighborhood. They were nice and honest. They did not find much problem with my roof except normal wears and some nail holes. They came back the other day and caulked the holes for free to prevent possible leaking as heavy rains forecasted to come next day! I do appreciate their honest, consideration, and community spirit! I would do business with them in the future.
Xiao WangXiao WangGoogle
I was approached by several other roofing companies that did not help with my insurance claim. So, when AJ Diaz stopped by, it was difficult to believe that he would be different. However, he was very knowledgeable about the entire insurance process and about roofing products, so I let him start the process. I am very happy that I did. He walked me through every step of the process and kept me informed of where my claim stood and what I needed to do next. He was on-site during the insurance company inspection and helped me find an independent inspector when my claim went to arbitration. He was happy to take the time to answer all my many many questions. Once my claim was finally approved, he helped me select roofing products that were best for my house, had a good quality guarantee, and the color that I wanted. He was able to explain the difference in the products and how they were installed. So, I feel like I made an informed decision. I also had gutters replaced that made everything look so good with the new roof. See the pictures! AJ was also on-site during the installation and came back afterwards to make sure I was happy. I am so happy by the way everything turned out. I highly recommend him and his company.
Carol SumrallCarol SumrallGoogle
I am highly satisfied with the work completed by this company in the Houston area. From initial consultation through project completion, the entire process was managed with professionalism, efficiency, and attention to detail. What distinguished their service was the level of support provided after the installation. The team remained proactive in their follow-up, ensuring that all aspects of the project were functioning properly and that I was fully satisfied with the outcome. I would confidently recommend their services to anyone in Katy or the greater Houston area seeking high-quality roofing solutions and reliable, customer-focused service.
Avery CallejoAvery CallejoGoogle
Extremely happy with the service provided by Ayden and PPB PATIO & ROOF folks. Very reliable and honest. Will definitely recommend them to anyone looking to replace their roof.
KaiSoon TanKaiSoon TanGoogle

Common Questions About Storm Damage

Still have a question?

Ask the team directly. We pick up, and a straight answer costs nothing.

How soon after a storm should I get an inspection?
As soon as you safely can, within days, not weeks. Texas insurance policies typically allow 12 to 24 months from the date of loss to file, but the documentation needs to match the event. Waiting lets damage worsen and gives adjusters more room to dispute the cause.
Do I have to pay for the inspection?
No. The inspection is free. You don't pay anything unless damage is found, a claim is filed, and it gets approved.
What if my roof looks fine from the ground?
Hail bruising and granule loss are rarely visible from street level. Drone footage gives us an aerial view of the full roof surface, including valleys, ridges, and areas that face the storm's approach angle. Don't assume a ground-level check is enough.
Can I repair small damage myself to stop a leak?
A temporary patch to stop active water intrusion is reasonable, but document everything before you touch it. Photos taken before any repair are the evidence your adjuster will rely on. For anything beyond a tarp or sealant application, call a professional before the next rain event.
Will my insurance rates go up if I file a claim?
That depends on your policy and carrier. What we can tell you is that when hail or wind damage is verified with storm reports, we document it thoroughly and build the strongest possible case for your insurer. Ask us about that when you call.

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