What Is the Difference Between Wind and Hail Damage?

Wind damage happens when strong gusts apply direct force to your property. This can rip shingles from a roof, tear off siding panels, or cause entire sections of roofing material to lift and fail. High winds can also uproot trees or send debris flying into windows and walls, creating immediate openings. These breaches let rainwater inside, which is the primary cause of subsequent water damage and mold.

Look for different signs to identify the cause. Wind damage often shows as missing or lifted shingles, torn flashing, or siding that is detached or hanging. Damage patterns are often linear or follow the wind's path. Hail damage typically appears as random, circular dents or bruises on soft metals and as dark spots on shingles where granules are missing. Check vehicles and window screens for matching dents.

• Missing or creased shingles often indicate wind.
• Random circular dents on metal surfaces point to hail.
• Granule loss in asphalt shingles is a classic hail sign.
• Lifted or torn flashing is commonly from wind.
• Broken windows from flying debris are usually wind-related.
• Patches of exposed, darker substrate on a roof suggest hail impact.

First, ensure everyone is safe and avoid going outside during the storm. Once it's safe, carefully document all visible damage with photos and notes from the ground. Prevent further water entry by covering broken windows or roof holes with tarps if you can do so safely. Then, contact your insurance company to start the claims process. Policies vary, and your insurer decides what is covered.

• Prioritize safety and avoid damaged or wet electrical areas.
• Take clear photographs of all damage from multiple angles.
• Use tarps to cover exposed openings and prevent more water entry.
• Contact your insurance provider to report the damage.
• Keep records of all communications and temporary repairs.
• Schedule an inspection with local water damage pros to assess hidden moisture.