Know Your Damage Issue No. 11 3 min read

How to find storm damage before it finds you

By the time a ceiling stains, water has been getting in for months. Six checks you can do from the ground tonight.

Free 45-minute HomFax inspection at your home — details at the end. This issue is the one to keep.


The Story

Picture a kitchen ceiling in Arlington with a brown ring on it, about the size of a dinner plate, that wasn't there last week.

By the time that ring appears, water has been getting into the roof assembly for months and often for years. It crossed the underlayment, ran along a rafter, soaked the insulation, and only then reached the drywall where somebody could see it.

The leak is not the beginning of the problem. It is the moment the problem finally became visible — and by then the repair is no longer only a roof.

The Mechanism

Hail rarely punches through a shingle. What it does is subtler, and all three failures are invisible from your driveway.

GRANULE LOSS. The coloured grit on a shingle is its sunscreen. Hail knocks it off in patches, the asphalt beneath bakes and dries, and the shingle ages at several times its normal rate. You will see the granules in your gutters long before you see anything on the roof.

MAT BRUISING. A stone can fracture the fibreglass mat inside the shingle without breaking the surface. Press it and it gives, like a bruise on fruit. From the ground it does not exist.

BROKEN SEAL STRIPS. Every shingle is glued to the one below it. Impact and the wind that arrives with it break that bond. The shingle stays put and looks perfectly normal — until a February gust takes it off entirely.

None of that leaks on the day. All of it shortens the life of the roof, and all of it is far easier to establish close to the storm than years afterwards.

The Opportunity That Comes To You

You can check the most reliable indicators yourself this evening, from the ground, without a ladder. Nobody should be on a roof who is not paid to be.

  1. GUTTERS AND DOWNSPOUT BASES. Look for a sludge of granules. A handful after a new roof is normal shedding. A steady accumulation from a roof several years old is not.
  1. SOFT METALS — the single best tell. Your gutters, downspouts, roof vents, the fins on your A/C condenser, and your window screens all dent when shingles show nothing. Round dings on those mean the roof took the same impacts. This is the check that costs people the most by being skipped.
  1. THE ROOFLINE, FROM THE STREET. Any shingle sitting slightly proud of the course below it is a broken seal strip. Look along the line, not at it.
  1. FLASHING AND PENETRATIONS. Chimneys, vent stacks, skylights, and the valleys where two slopes meet. Most water enters at a joint, not through a field.
  1. FENCES AND SIDING. Wood fences take hail on the horizontal and record the direction it came from. Cheap evidence, and it is standing in your garden.
  1. THE ATTIC ON A BRIGHT DAY. Lights off. Look for pinpoints of daylight, dark staining on the decking, matted insulation, and any smell of damp.

Photograph anything you find, today, so it carries a date.

The Opportunity You Create

Here is the part that turns a checklist into leverage.

Every one of those observations is worth more with a date attached than without one, and worth more taken calmly than taken during a dispute. Hail across Arlington on June 1, 2025 is a matter of public record; whether your roof was under it is a matter of evidence, and evidence is something somebody has to create.

A photograph you take this evening costs you nothing and cannot be argued with later. The same photograph taken after a claim is filed, of a roof that has aged another two summers, is a much weaker document — not because anyone doubts you, but because time has removed the difference between storm damage and wear.

Do the six checks. Keep the photographs. If you find soft-metal dents, that is the point at which somebody qualified should look properly.


That is what the free inspection is for — the parts you cannot see from the ground. Forty-five minutes at your home: every slope and elevation photographed with time, date and GPS embedded, the soft-metal evidence recorded, condition and remaining serviceable life assessed, and the verified NOAA hail history for your ZIP including June 1, 2025.

Written up and emailed to you. Yours permanently, whether you ever file anything or not.

Book: /book Or reply with a day that works.

This is general homeowner education, not financial, tax, legal, or insurance advice, and not a recommendation about your situation. Your policy, your deed, and your circumstances govern. For advice about your own position, talk to a professional who can review your documents.
Free HomFax inspection

Documentation beats recollection

Forty-five minutes. A timestamped, geotagged photo survey matched to the NOAA hail record for your ZIP, written up as a report you keep — whether you ever file a claim or not.

Book an inspection (844) 466-3290

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