Hail can compromise a flat roof in minutes. A focused, well-timed response limits water intrusion, controls costs, and preserves warranty coverage. Use this streamlined checklist right after a storm and during the weeks that follow.
1. Immediate Assessment
- Perform a visual sweep. Look for dents in metal components, punctures in membrane seams, displaced ballast, and fractured skylight domes.
- Inspect high-risk areas. Flashings, pipe boots, HVAC curbs, and drains are frequent failure points.
- Document everything. Capture clear, timestamped photos from multiple angles; save storm reports from a reputable weather service for your records.
2. Engage Qualified Help
- Schedule a certified roofing contractor within 24–48 hours. Thermal imaging or drone surveys can reveal trapped moisture that isn’t visible at the surface.
- Request a core sample if hailstones exceeded 1 inch. Hidden bruising beneath a membrane often leads to leaks months later.
- Insist on a written scope outlining damaged areas, repair options, and costs before work begins.
3. Coordinate With Insurance
- Review your policy. Note deductibles and filing deadlines (commonly 180 days).
- Invite the adjuster on-site. Walk them through every documented impact point to avoid overlooked claims.
- Retain control of funds. Avoid signing “assignment of benefits” forms unless advised by legal counsel.
4. Temporary Mitigation
- Apply compatible membrane patches or peel-and-stick flashing tape over punctures to keep water out until permanent repairs are scheduled.
- Seal open seams with manufacturer-approved sealant.
- Clear debris from drains and scuppers to prevent ponding that accelerates deterioration.
5. Strengthen for the Next Storm
- Upgrade to impact-rated membranes and cover boards during re-roofing or large repairs.
- Install protective pavers or mats around rooftop equipment and skylights.
- Schedule annual pre-season inspections (late winter) so weaknesses are corrected before spring hail events.
- Maintain a detailed roof log. Track inspections, maintenance, and weather events; insurers reward organized ownership.
Bottom Line
Hailstorms are a predictable threat. Fast documentation, prompt professional evaluation, and strategic upgrades turn a potential crisis into a manageable maintenance task—keeping your commercial roof ready for whatever the sky sends next.
If you need an expert in commercial hail damage insurance claims, please reach out to us!