Hail damage on an asphalt shingle roof shows up as round, dark bruises where granules have been knocked loose, granules piling up in your gutters, and cracked shingle mats you can only see from up close. Dents on gutters, vent caps, and your AC condenser are the giveaways from the ground.
Hail as small as 1 inch (a quarter) can bruise shingles. At 1.25 inches, damage becomes common. At 1.75 inches (a golf ball), an insurance claim is almost automatic. Most Lakeville homeowners don’t realize they have damage until months after the storm, and by then the granule loss has already shortened their roof’s remaining life by years. In many cases, the insurance filing window has closed too.
Rule of thumb: if a storm dropped hail 1 inch or larger anywhere in Dakota County, get a free roof inspection within a few weeks. The damage you can’t see from the ground is the damage that ends up costing you.
KEY TAKEAWAYS
TABLE OF CONTENTS
If a hailstorm rolled through Lakeville last night and you’re standing in the driveway trying to figure out whether your roof took a hit, you’re asking the right question at the right time. Most people don’t ask it. Most people wait until spring rain starts showing up on their ceiling. By then it’s usually eight or nine months past the actual storm, and often past their insurance filing window too.
The reason is simple. Hail damage on an asphalt shingle roof is almost invisible from the ground. Even from a ladder, most homeowners can’t tell what they’re looking at. It doesn’t blow shingles off, it doesn’t leave holes, and it doesn’t leak right away. It quietly kills your roof’s remaining life span in a way you won’t notice until the granules are half gone and the shingle mat starts cracking under the next freeze-thaw cycle.
At Bormann Brothers, we’ve been walking Lakeville roofs since 1997. Same family, same crew, no subcontractors. We’ve inspected hundreds of roofs after Twin Cities hailstorms in neighborhoods from Lake Marion to Airlake Industrial, and we’ve seen the same pattern every time. The homeowners who get an inspection within a few weeks of the storm end up with a legitimate insurance claim. The ones who wait a year end up paying out of pocket for damage that would have been covered. This guide walks you through how to spot hail damage the same way we walk your roof.
Hail damage on asphalt shingles doesn’t look like the movies. There’s no jagged hole, no snapped-off corner, no dented panel. What actually happens is more subtle, and more damaging over time.
When a hailstone hits an asphalt shingle, three things can happen depending on the size and speed:
Cosmetic damage (the granule loss) is what most people see first. Structural damage (the bruising and cracking) is what actually shortens your roof’s life. Both matter for an insurance claim, and both are things a proper inspection documents in photos.
You won’t see every hail hit from the driveway, but here’s what you can check without a ladder:
What you probably can’t see from the ground: the actual bruising and mat damage on your shingles. That’s the damage that matters most for insurance and for the roof’s remaining life.
This is the part that matters, and it’s the part homeowners can almost never confirm themselves. On a proper hail damage inspection, we’re looking for:
A proper inspection also checks the attic side for evidence of water intrusion, and it includes photo and video documentation of every damage point. That documentation is what makes or breaks an insurance claim later on. Our free hail damage inspections include all of it.
Not all hail causes roof damage, and not all damage is the same. Here’s a rough guide to what different hail sizes do on a Minnesota asphalt roof:
| Hail size | Comparison | What it typically does |
|---|---|---|
| Less than 0.75 in | Pea to marble | Rarely damages a roof in good condition. Can shed granules on older, brittle shingles. |
| 0.75 to 1 in | Marble to nickel | Cosmetic granule loss on aging shingles. Real structural damage rare on younger roofs. |
| 1 to 1.25 in | Quarter | Bruising becomes common. Damage on aging roofs is likely. Insurance claims are often valid. |
| 1.25 to 1.75 in | Half-dollar to golf ball | Widespread bruising and mat damage. Insurance claims almost automatic on most roofs. |
| 1.75 to 2.5 in | Golf ball to tennis ball | Severe damage. Cracked mats, torn shingles, dented gutters, damaged siding. Full replacement common. |
| Larger than 2.5 in | Baseball or bigger | Catastrophic. Punctured shingles, broken skylights, structural damage. Immediate inspection needed. |
Dakota County averages two to three hail events per year that reach the 1-inch threshold, according to NOAA’s Storm Prediction Center. Most years bring at least one storm in the 1.25 to 1.75 inch range somewhere in the south metro. That’s the range where you almost always have a claim if the storm passed over your home in Lakeville.
Here’s what most homeowners don’t understand about hail damage: the damage keeps getting worse after the storm.
When hail knocks granules off a shingle, the asphalt underneath is now directly exposed to UV radiation. UV degrades asphalt fast. What was a shingle with 15 years of remaining life the day before the storm might have 5 to 8 years of remaining life a year later. The damage compounds silently, month after month, and by the time you spot a leak the shingle has already lost most of what it had left.
Meanwhile, the clock on your insurance claim is running. Most Minnesota homeowners insurance policies require you to file a hail damage claim within 12 months of the date of loss (meaning the date of the storm, not the date you noticed the damage). Some carriers give you less. If you find water on your ceiling in September of the following year, the storm that caused the damage was probably in June or July of the previous year, and your window may have closed.
There’s also the matching problem. If damage is repaired or replaced years after the storm, matching new shingles to your aged shingles becomes nearly impossible. Minnesota has a matching statute that helps here (more on that below), but it works better when the claim is filed close to the event.
The math is unfriendly to waiting:
We’ve watched too many Lakeville and south metro homeowners lose legitimate claims because they thought the roof looked fine for a year and then acted after the leaks started. If you’re not sure whether waiting is worth the risk, the safe move is a free inspection now instead of a bigger bill later.
Hail damage isn’t just a shingle issue. A proper inspection covers the whole exterior:
If we see damage on your AC unit or your gutters, we know your roof caught the same storm, even if the shingle damage isn’t immediately obvious from the ground.
We say this every time and we mean it: don’t get on your roof to check for hail damage yourself.
Reasons:
Get a professional out. We do free hail damage inspections across the south metro. Steve or Nick walks the roof themselves, documents everything with photos and video, and gives you an honest assessment before any insurance conversation happens.
Not sure if your Lakeville roof took a hit? Get eyes on it before the damage compounds.
Bormann Brothers offers free honest hail damage inspections across Lakeville, Farmington, Apple Valley, Rosemount, and the rest of the south metro. Steve or Nick walks the roof personally. No salespeople, no scare tactics, no pressure. We tell you what we find and what your options are.
Schedule a Free Inspection — or call (952) 891-8586
Minnesota is one of the better states in the country for hail damage claims, thanks to a few consumer-friendly laws.
Minnesota’s matching statute requires insurers to match roofing materials when repairs would create a mismatched appearance. If your damaged slope can’t be matched to your existing shingles because the color has been discontinued or aged shingles won’t match new ones, the insurer may be required to replace more than just the damaged section. On older Lakeville roofs, this often means a partial claim becomes a full replacement claim.
Hail claims are treated as acts of nature. Unlike an at-fault claim, hail claims typically don’t raise your premium the way a car accident claim would. This varies by carrier, so always confirm with your agent before you file.
Your policy is either RCV or ACV. Replacement Cost Value pays what it costs to replace the roof today. Actual Cash Value pays the depreciated value based on age. If you have RCV coverage, an approved claim usually covers a full roof replacement minus your deductible. If you have ACV coverage, older roofs will pay out significantly less. Check your policy or ask your agent which one you have.
The adjuster’s first estimate isn’t always the final word. Adjusters see hundreds of roofs a year. Some are thorough, some aren’t. If we walk the roof after an adjuster and find damage they missed, we can request a supplemental review. This happens more often than you’d think.
Two things we can’t stress enough: file promptly (within a few months of the storm), and get a contractor who does their own documentation before the adjuster comes out. A repair-only estimate misses damage that a full-scope inspection catches, and once an adjuster has closed a claim as “no damage,” it’s much harder to reopen.
We don’t negotiate claims. That’s not our job and it isn’t legal for us to do. What we do is document damage accurately, meet the adjuster on-site to walk through the roof together, and install the roof to spec once the claim is approved. Your insurance carrier decides coverage.
Every time a hailstorm rolls through Lakeville, Farmington, Apple Valley, or the rest of the south metro, out-of-state crews show up within 48 hours. They knock on doors, offer free inspections, and pressure homeowners to sign contracts fast. Some are legitimate. Most aren’t.
Signs you’re dealing with a storm chaser:
Storm chasers make their money by cycling through disaster zones. When the roof they installed leaks in 2029, they’re gone. Warranty claims go nowhere.
A local Minnesota-licensed roofer works differently. We answer the phone when you call three years from now. We’re still at the same shop in Farmington, twenty minutes south of Lakeville. If a warranty issue comes up, we come out. That’s the whole difference. Not the initial estimate, not the sales pitch, but who’s still around when you actually need them.
If a hailstorm rolled through Dakota County and your home was in the path, here’s the sequence:
1. Check for interior damage first. Look at ceilings in every room, especially rooms directly under the roof. Note any new water stains, discoloration, or damp spots. Take photos with timestamps.
2. Walk the exterior perimeter. Look for the signs we covered above: dented gutters, damaged siding, granules at downspouts, damaged AC condenser fins. Take photos of everything.
3. Note the storm date and location. Write down when the storm hit and where you were. NOAA keeps public hail records for Dakota County, but having your own record helps.
4. Schedule a free professional inspection. Don’t call the insurance company yet. Get an inspection first so you know whether you actually have a claim before filing. A filed claim on your record with no payout can affect future rates.
5. Once damage is confirmed, call your insurance carrier to open a claim. Give them the storm date and your inspection documentation.
6. Meet the insurance adjuster on-site with your contractor. A joint walkthrough with a documented inspection is the best path to a fair claim outcome.
That’s the whole sequence. Steps 1 through 4 take less than a week. Waiting past that starts working against you.
Look for granules piling up at the base of your downspouts, dented gutters or vent caps, bent fins on your outdoor AC condenser unit, and dented or cracked siding on the same side of the house as the storm came from. These are all reliable indicators that your roof caught hail hard enough to damage the shingles. Confirming actual shingle damage requires someone qualified on the roof, which is why we do free inspections.
Most Minnesota homeowners insurance policies give you 12 months from the date of the storm, not the date you noticed the damage. Some carriers give you less. Check your policy or call your agent to confirm your specific window. The clock starts on the storm date, so waiting a year is often waiting too long.
Hail claims are usually treated as acts of nature, and most Minnesota carriers don’t raise premiums on a single hail claim the way they would on an at-fault claim. But policies vary. Ask your agent before you file if you’re not sure how your specific carrier handles it.
NOAA keeps public hail records for Dakota County going back years. We can help you pull the date of a specific storm if we need it for the claim. Between our inspection notes and the NOAA records, we can usually pinpoint the event that caused the damage.
For most Lakeville homes, yes. Class 4 shingles are UL 2218 rated to handle bigger hail without cracking or losing granules the way standard shingles do. Many Minnesota insurers offer premium discounts (often 10 to 30 percent off the roof portion) if you upgrade. On a roof that’s due for replacement in a hail-prone area like the south metro, the math usually works out. Ask us at your free inspection.
Not sure if you have hail damage? That’s exactly what we’re here for.
For nearly 30 years, Bormann Brothers has walked roofs across Lakeville, Farmington, Apple Valley, Rosemount, Burnsville, and Eagan and told homeowners the honest truth, even when honesty cost us the bigger job. Free inspection. No pressure. No storm chasers.
Schedule a Free Inspection · Call (952) 891-8586
GAF Certified · BBB A+ since 2009 · Family-owned since 1997 · No subcontractors · MN Lic# 20170064
About the Author
Steven Bormann is co-owner of Bormann Brothers Contracting, a family-run roofing company based in Farmington, MN. Bormann Brothers has served the south metro since 1997 and is a GAF certified contractor with a 5.0 rating across 45 Google reviews. Steve has personally walked more than 2,000 roofs across Dakota County over his career.
RELATED READING
Filed Under: ROOFING GUIDE
Not sure how old your roof actually is, or how much life it has left?:
Bormann Brothers offers free honest roof inspections across Farmington, Lakeville, Apple Valley, Rosemount, Burnsville, and Eagan. Steve or Nick walks your roof themselves — no salespeople, no scare tactics, no pressure. We’ll tell you exactly what you’re dealing with, whether it needs a $500 repair or a full replacement.
Schedule a Free Inspection
GAF Certified · BBB A+ since 2009 · Family-owned since 1997 · No subcontractors · 50-year transferable warranty on every full replacement
RELATED READING
The Short Answer Repair your roof if it's under 15 years old and damage is…