How hail impacts the condition of the roof and siding on a Bloomington home

How Hail Impacts Siding & Roofing

1. Roof Damage
   • Shingle Impacts: Hail strikes can bruise, crack, or dent asphalt shingles—sometimes without visible granule loss. Bruising is often only detectable by a professional inspection.  Contact Modern Roof to be your best advocate. 
   • Underlying Vulnerabilities: Even seemingly minor hits can compromise waterproofing, which can lead to leaks, mold, and insulation damage later.
2. Siding Damage
   • Vinyl or Aluminum: These materials often dent or crack, creating holes or fractures that weaken weatherproofing .
   • Fiber-Cement or Composite: These might show surface pitting or chipped edges—damaging appearances and structural resilience.
3. Gutters, Windows & HVAC Units
   • Gutters frequently dent.
   • Window frames and exterior HVAC units can be chipped, cracked, or punctured.
4. Bloomington’s Recent Storm
   • A recent severe hailstorm in Bloomington (last month) resulted in broad reports of damage to roofs, siding, vehicles, and trees.
   • Local contractors like Modern Roof have been actively inspecting homes and filing insurance claims.

? What You Should Do Immediately

1. Quick Visual Check
   • Capture any hailstones still on the ground—label the date, photograph and freeze the largest ones for evidence
   • From ground level or a ladder, note dents, bruises, missing granules, or cracked siding.
2. Schedule a Professional Inspection
   • Hire a licensed roofer/exterior expert in Bloomington. They can spot invisible spotting or wood deck bruising
   • Contractors like Modern Roof are reporting increased hail-storm callouts
3. Document Thoroughly
   • Take clear photos of all damage.
   • Keep contractor inspection reports and written estimates.
   • Preserve hailstones as physical proof.

? Will Insurance Cover It?

1. Homeowner’s Insurance Policies
   • Standard HO?3 and HO?5 policies typically cover hail damage including siding, roofing, gutters, and other structures
   • Coverage depends on if the damage is deemed “sudden and accidental”—hail qualifies.
2. Deductibles & Depreciation
   • Your insurance deductible may apply to the total damage estimate.
   • Some policies depreciate older materials; reimbursement might first be based on depreciated value, with full replacement value reimbursed after work is done in some cases.
3. Making a Claim
   • Submit your documentation: photos, hailstones, inspection reports.
   • Adjusters will assess damage—be present during inspection or have your contractor on-site for support.
   • Beware of “claim fatigue”: some insurers may resist further claims on recently-repaired homes Bloomington, IN.
4. Working with Contractors
   • Many Bloomington-area roofing companies (e.g. Modern Roof) offer support through insurance coordination .
   • Ensure the contractor includes insurance-report standards in the estimate and can accompany you during the claims process.

? Key Takeaways

? Final Thoughts

The Bloomington hailstorm likely caused damage that might not be obvious right now—but left unchecked, even small issues can escalate, risking leaks, mold, and structural stress. Your homeowner’s policy should cover repairs or replacements, as long as you act quickly:

1. Inspect and document damage thoroughly
2. Contact a licensed local roofer/exterior specialist
3. File a detailed insurance claim
4. Work closely with all parties to ensure fair compensation

Ready to Take Action?

• ? Step 1: Collect hailstones and take photos today.
• ? Step 2: Book a damage inspection with a Bloomington roofing contractor at 812-302-6898
• ? Step 3: Begin your insurance claim with full documentation.

Time is of the essence—getting ahead of hidden damage now could save you money, stress, and bigger repair headaches later.

Find Modern Roof at 2620 N Walnut St Suite 870, Bloomington, IN 47404