You don’t always see roof damage right away. But after a hailstorm or heavy winds, small cracks or missing shingles can lead to major leaks fast.
If you’re in Colorado, especially in Larimer County, that kind of storm isn’t rare. Hail season runs through September. If your roof’s been hit recently, now is the time to check for damage. Here’s how to spot the signs, understand what causes them, and get a sense of what repairs might cost.
Common Causes of Roof Damage After a Storm
Hail and high winds don’t just wear down shingles. They break seals, shift flashing, and expose the underlayment. Over time, that lets water seep in. Common causes include:
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Hail impact: Dents or bruises in shingles can break the protective granule layer
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Wind lift: High winds can curl or remove shingles, even if they look flat from the ground
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Debris strikes: Tree limbs and flying objects can puncture or crack roof decking
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Standing water: Poor drainage can lead to leaks and mold under your shingles
Even new roofs can take a beating. And because the damage isn’t always obvious from the street, many homeowners wait too long to act.
Signs You Might Have Roof Damage
Some signs are visible. Others are only caught during an inspection. Here’s what to watch for:
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Water stains on ceilings or walls
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Missing, loose, or curling shingles
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Granules in your gutters or downspouts
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Sagging or soft spots in the attic
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Shingle discoloration after a storm
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Visible dents in roof vents or flashing
If your neighbors are getting roof repairs, chances are your home was hit too. Even if the roof “looks fine,” schedule an inspection to be sure.
Schedule Your Complimentary Roof Inspection
Protect your investment with a professional assessment from Northern Colorado’s roofing experts. We’ll identify potential issues before they become expensive repairs. 100% free, no strings attached.
How Much Does Roof Damage Repair Cost?
The cost of repairing roof damage depends on the materials, extent of damage, and whether insurance will cover it. Here’s a general idea:
| Damage Type | Estimated Cost (Range) |
|---|---|
| Minor shingle repairs | $250 – $600 |
| Moderate hail damage | $1,000 – $3,000 |
| Full roof replacement | $8,000 – $15,000+ |
| Emergency tarp/patch | $150 – $500 |
Insurance often covers storm-related roof damage. But it’s on you to file the claim. At On Target Roofing, a qualified roofer can help you document the damage and navigate the process.
Learn more about On Target Roofing’s Insurance Claim Assistance Services here.
Don’t Wait on Repairs. Here’s Why
Roof damage doesn’t fix itself. Even small issues, like a missing shingle, can lead to mold, structural damage, and major insurance headaches if left alone. Upgrading to Class-4 impact-resistant shingles can reduce future storm damage [Owens Corning Roofing].
If you’re in Fort Collins, Loveland, or anywhere in Northern Colorado, On Target Roofing offers fast inspections, honest repair quotes, and no upselling. Just real answers and real service when you need it most.
Think your roof might be damaged? Get your FREE comprehensive storm damage inspection:
Frequently Asked Questions – Roof Damage
Q: Do you offer emergency roofing services?
A: Yes. On Target Roofing provides emergency roofing services in urgent cases such as severe storm damage or sudden leaks. The team responds quickly with temporary solutions until permanent repairs can be completed.
Q: When should I get a roof inspection?
A: You should get an inspection:
- After a storm (heavy rain, wind, hail)
- If you see visible signs like leaks, sagging, missing shingles, or discoloration
- Before buying a home
- At least once a year for regular maintenance
Q: What are some signs that I need a new roof?
A: Common signs include:
- Curling, cracked, or missing shingles
- Shingle granules in gutters or yard
- Water stains on ceilings or walls
- Sagging roof deck
- Leaks especially after a storm
Q: Can I claim storm damage on my homeowner’s insurance?
A: Yes. Most homeowners’ insurance policies cover storm damage. It’s important to document the damage promptly and file your claim in a timely manner.
Q: What does roof maintenance involve?
A: Maintenance typically includes regular inspections, cleaning gutters, removing debris, and making minor repairs (sealing leaks, replacing damaged shingles).
Q: What are impact‑resistant (Class‑4) shingles and what do they do?
A: Class‑4 impact‑resistant shingles are designed to better withstand hail. Choosing them can improve protection from hail damage, potentially lower insurance premiums, and increase roof durability when properly installed.