Hailstorms can wreak havoc on your roof, but how do you know if you need a full replacement? If you’re wondering how much hail damage is needed for insurance to replace your roof, or what factors affect those decisions in Ohio, this guide will break it all down for you.
How to Tell If Hail Damage Warrants a Roof Replacement
Not all hail damage requires a new roof. Insurance companies and roofing professionals typically look at:
- Shingle Bruising – When hail impacts asphalt shingles, it can knock off granules and create soft spots.
- Cracks in Shingles – If hailstones crack or split shingles, water can seep in, leading to leaks.
- Missing Shingles – High winds during a hailstorm can tear shingles off completely.
- Damaged Flashing or Gutters – Hail can dent or bend flashing, gutters, and downspouts.
How Much Hail Damage for Insurance to Replace a Roof?
Most insurance companies follow the “10 hits in a 10×10 area” rule, meaning if an adjuster finds 10 or more hail impact marks in a single 100-square-foot area, they may approve a roof replacement.
Other factors that influence insurance claims:
- Shingle Type – Thicker, impact-resistant shingles hold up better than standard asphalt shingles.
- Age of Roof – Older roofs are more likely to be approved for full replacement.
- Extent of Damage – If damage is widespread across multiple sections, replacement is more likely.
- Policy Details – Some policies cover only actual cash value (ACV), while others offer full replacement cost.
What About Hail Damage to Siding?
Roof damage isn’t the only issue. Hail can also damage siding, causing:
- Dents & Cracks – Vinyl siding is especially prone to cracking under heavy hail.
- Chipping & Breaks – Fiber cement and wood siding can break under strong impact.
- Fading & Peeling Paint – Hail can strip paint or weaken the outer layer of siding materials.
Insurance companies use similar criteria for siding—if enough impact damage is found in a specific area, they may approve a claim.
Cost Breakdown: Roof & Siding Hail Damage Repair in Ohio
Frequently Asked Questions
How much is the average hail damage claim in Ohio?
Homeowners in Ohio typically receive $8,000 – $15,000 per claim, depending on roof size, material, and insurance policy terms.
How much does it cost to repair hail damage to a roof?
Minor repairs cost $300 – $1,000, while a full roof replacement can exceed $10,000, depending on the material and labor costs.
Need a Roof Inspection? Call Allegiant Roofs
If you think your roof has hail damage, don’t wait until leaks appear. Allegiant Roofs provides free roof inspections in Cincinnati & Dayton, Ohio. We’ll assess the damage, help with your insurance claim, and make sure your home stays protected.
📞 Call us today at (513) 633-5321 or visit Allegiant Roofs to schedule your inspection!