⛈️ Hail Damage Inspection & Repair

Hail Damage Repair in Central Florida

One call connects you with a local pro who inspects your roof, documents every impact point for your claim, and repairs it. Most hail roof damage is invisible from the ground — get a professional inspection before your claim window closes.

📞 321-420-7274 — Emergency Send Ryan the details →

✓ Hail Inspection

✓ Insurance Documentation

✓ Local Pros

✓ Roof, Siding & Screens

WrittenEstimate Before Work Starts

24/7Calls taken

1–3 yrsUntil hail-bruised roofs leak

LocalNo out-of-state storm chasers

HO-3Hail covered under standard FL policy

$0You pay CFDR nothing, and CFDR does not bill your insurer.

Florida Hail Facts

Hail Happens in Central Florida — and Most Homeowners Miss the Damage

Central Florida's spring and summer supercell thunderstorms regularly produce hail. While Florida doesn't see the golf-ball hail common on the Great Plains, even marble- to quarter-sized hail is enough to bruise asphalt shingles, dent gutters, tear screen enclosures, and crack skylights.

The hidden danger: shingle bruising is invisible from the ground and causes leaks 12 to 36 months after the storm — long after most homeowners have forgotten the event and well after some policy claim deadlines have passed.

Hail SeasonMarch – September (peak)

Storm TypeSupercell thunderstorms, squall lines

Typical Hail SizeMarble to quarter (0.5″ – 1.0″)

Damage Becomes Visible12–36 months post-storm

Insurance CoverageStandard HO wind & hail peril

Claim DeadlineFile promptly — FL carriers enforce limits

⚠️ The Hidden Hail Damage Problem

Shingle Bruising Is Invisible

Hail impacts create soft spots in the shingle mat that aren't visible from the ground and may not even be obvious walking the roof without knowing what to look for.

Granule Loss Accelerates Aging

Knocked-off granules expose the asphalt beneath to UV. A shingle that should last 20 years may fail in 3-5 after a significant hail event — and your insurer will call it wear and tear.

Florida's Claim Deadlines

Florida law allows insurers to enforce strict claim reporting deadlines. Waiting until leaks appear — months or years later — can cost you your coverage.

Storm Chasers Exploit This

Out-of-state roofers follow hail events into Florida markets, offer rushed estimates, and disappear. Ask any roofer for its Florida license number and local references.

What Hail Damages

Every Surface Hail Can Damage on a Central Florida Home

Hail doesn't just damage roofs. A professional inspection covers every vulnerable exterior surface — because your insurance claim should capture the full scope of the loss.

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Asphalt Shingle Roof Damage

Hail bruises shingle mats, knocks off granules, and creates soft spots that aren't visible from the ground. Damaged shingles fail within 1-3 years, causing leaks long after the storm.

🏺

Tile Roof Cracking

Concrete and clay tile roofs can crack or shatter on direct hail impact. Even hairline cracks allow water intrusion and compromise the structural integrity of the tile system.

🌀

Gutters & Downspouts

Aluminum and vinyl gutters are among the most visibly damaged surfaces after a hail event — dents, dings, and crushed downspouts that no longer drain properly.

🏊

Screen Enclosures & Pool Cages

Florida's ubiquitous screen enclosures and pool cages are highly vulnerable. Hail tears screens and dents aluminum framing — damage that is covered under homeowner's insurance.

❄️

HVAC Condenser Units

Outdoor AC condenser fins are soft aluminum and bend easily under hail impact. Bent fins reduce airflow and efficiency immediately — and are a covered insurance loss.

🪟

Skylights & Soffit Vents

Skylights can crack or shatter. Aluminum soffit and fascia show impact dents across the entire hail strike pattern — important documentation for the full claim scope.

🧱

Vinyl & Aluminum Siding

Siding impact points appear as circular dents or cracks across the entire windward face of the home. Full-panel or full-elevation replacement is often warranted.

Our Hail Response

From Inspection to Fully Repaired — How a Matched Company Works From Inspection to Repair

Speed matters after a hail event. Here's exactly how your matched pro moves from inspection to completed repairs.

Day 1

Hail Inspection

Ryan matches you with a company; ask for its start time
Ground-level inspection of gutters, siding, screens, HVAC
Roof walk with photos of every impact point
Moisture scan if roof breach is suspected
Verbal summary delivered on-site

Days 2-5

Claim Documentation

Written inspection report with photo evidence
Xactimate scope of loss prepared for adjuster
Claim opened with your insurance carrier
Emergency tarping applied if roof is breached
Adjuster appointment coordinated

Week 2-3

Adjuster & Approval

Matched pro present at adjuster inspection
Supplement filed for any missed line items
Insurance authorization received
Material selection and permit pulled
Repair timeline communicated to homeowner

Week 3-6

Full Repair & Restoration

Roof replacement or repair completed
Gutters and downspouts replaced
Screen enclosure and pool cage repairs
Siding panel replacement
HVAC condenser assessment and fin repair

Florida Hail Insurance

Working With Florida Insurance After Hail Damage

Hail is covered under the standard wind & hail peril in Florida homeowner's policies — but getting that coverage approved requires proper documentation. Your matched pro knows exactly what Florida insurers need to see.

Key Florida Hail Insurance Facts

Standard HO-3 Policy

Hail damage covered under wind & hail peril — same as wind damage

Hurricane Deductible

May apply if storm was associated with a named tropical system

Citizens Insurance

State-backed — specific documentation and reporting requirements

Private FL Carriers

Tower Hill, Universal, Heritage — each has its own claim process

Claim Timing

File promptly after the storm — FL law allows carriers to enforce deadlines

Supplement Rights

Your pro can supplement an underpaid claim for missed line items

What Your Matched Pro Does for Your Claim

✓Photographs every hail impact point on the roof, gutters, screens, and siding

✓Writes an Xactimate scope of loss — the same platform adjusters use, eliminating estimate disputes

✓Documents the date of loss against local weather records to prove the hail event

✓Attends the adjuster inspection to ensure no covered items are missed

✓Supplements the claim when adjusters undercount impact density or miss exterior surfaces

✓Explains the deductible, coverage limits, and what you owe — clearly and upfront

Local vs. Storm Chasers

Why Local Pros Beat Out-of-State Storm Chasers

Out-of-State Storm Chasers

Follow hail events into new markets, then leave
No established Florida license or local presence
Often use inferior materials to increase margin
Skip required Florida building permits
No warranty recourse when they're gone
Unfamiliar with FL insurance carriers' processes

Central Florida Disaster Recovery Network

Ask for a local address and Florida license number
Ask every pro for its active Florida license number
You call Ryan Solberg's line directly
Permits pulled and inspections passed every job
Local reputation and warranty you can enforce
Deep relationships with FL insurance adjusters

Service Areas

Hail Damage Repair Across Central Florida

Orlando Kissimmee Winter Park Sanford Apopka Lake Mary Ocoee Altamonte Springs Winter Garden Windermere Oviedo Deltona Clermont Winter Springs Casselberry Longwood Mount Dora

Related Storm Services

Storm & Hurricane Restoration Wind Damage Repair Tornado Damage Repair Emergency Roof Tarping Hurricane Roof Water Damage Storm Damage Cost

FAQ

Hail Damage Repair — Common Questions

Hail damage to asphalt shingles is rarely visible from the ground — and that's exactly why so many homeowners miss it until leaks appear months later. Signs on the ground include dented gutters or downspouts, cracked or shattered skylights, and dings in aluminum soffit or window trim. On the roof itself, hail leaves circular bruise marks (soft spots in the shingle mat), knocked-off granules exposing the dark asphalt beneath, and cracked tile on concrete or clay roofs. A professional inspection is the only reliable way to document hail damage — and getting that inspection on the record before your policy's claim deadline is critical.

Yes. Standard Florida homeowner's insurance policies cover hail damage under the wind and hail peril — the same peril that covers hurricane wind damage. Florida's hurricane deductible may apply if the hail storm was associated with a named storm, but for the more common supercell thunderstorm hail events, a standard deductible typically applies. Filing promptly matters: Florida law gives insurers the right to dispute claims filed long after the storm. Get a professional inspection and open your claim quickly after a known hail event in your area.

Hail bruises asphalt shingles in a way that isn't visible from the ground and often isn't even obvious on the roof until you know exactly what to look for. A bruised shingle loses its protective granule layer, accelerates aging, and will begin leaking within 12-36 months — long after most homeowners have forgotten the hailstorm. A professional inspection photographs every impact point in a format your insurance adjuster can use to approve the claim. Without that documentation, insurers often attribute the later leaks to 'wear and tear' rather than the hail event — and deny coverage.

Yes — this is a real problem in Florida after significant hail events. Out-of-state storm chasers follow hail storms into new markets, offer heavily discounted or even free roofs using your insurance payout, and then disappear. They often use inferior materials, skip required permits, and leave homeowners with warranty-less roofs and no local recourse when problems emerge. Before you sign anything, ask any contractor for its Florida license number, proof of insurance, and a local address you can visit.

Hail can damage nearly every exposed exterior surface. Aluminum and vinyl gutters and downspouts dent easily and may need full replacement. Screen enclosures and pool cages — extremely common in Central Florida — can have screens torn and aluminum frames dented. HVAC condenser fins on outdoor AC units are highly vulnerable and dented fins reduce efficiency immediately. Vinyl and aluminum siding shows impact dents and cracks. Skylights can crack or shatter entirely. Even painted wood surfaces show hail strikes as clusters of small paint chips. A thorough inspection covers all of these — not just the roof.

As quickly as possible — ideally within 30 days of the storm. Florida insurance policies include deadlines for reporting claims, and insurers can deny claims they believe were filed too long after the damage event. More practically: if your roof was breached by hail and the next thunderstorm (which in Central Florida can come within days) drives water through the damaged area, your insurer may argue the water damage was caused by the second storm rather than the hail event. Getting a documented inspection and opening your claim immediately protects your coverage.

Service Areas