Are Class 4 Shingles Worth the MoneyEssential information about hail storm roofing – For residents of Middle Tennessee, particularly the Nashville region, spring hail storms are a common occurrence. Surprisingly, these hail storms have also unexpectedly affected our area during the fall and winter seasons! Even the most accurate meteorologist cannot foresee when a destructive hail storm will strike your residence or commercial property, but you’ll certainly know when it does! Hail Storms Occur More Frequently Than Tornadoes and are most probable in the spring!

You are five times more likely to be impacted by a hail storm than a tornado!

While hail storms may not pose as grave a danger as tornadoes, they can still inflict significant damage. Hail storms originate from thunderstorms, so it’s crucial to seek shelter whenever there are powerful storms around! Once the hail storm has passed, it’s time to evaluate the extent of the damage!


Powerful spring storms cause damage to outdoor items, such as furniture and decorations. They can also harm the structure of your house, including the roof.

Watching these storms can be captivating. After a storm, your roof may have damage even if you can’t see it.

Hail damage is not just cosmetic and can be hidden. Most hailstorms cause damage to roofs, even if it’s not obvious to someone who doesn’t know what to look for.

Hail Can Damage ALL Types of Roofing

Hail can wreak havoc on EVERY kind of roof! Don’t fall into the trap of believing that your unique roofing structure hasn’t suffered hail damage! Here are some crucial hail storm roofing facts for all roofing types:

Hail Storms Category

Metal Roofing Hail Damage

Metal roofs can be damaged by hail. Hail can damage metal roofing. The dents and dings caused by hail are not just cosmetic. They can also reduce the lifespan of the roof and decrease the value of your property. Some people mistakenly believe that insurance does not cover hail damage to metal roofs. This is because they consider it to be only cosmetic.

Hail can damage metal roofing. The dents and dings caused by hail are not just cosmetic. They can also reduce the lifespan of the roof and decrease the value of your property.

Some people mistakenly believe that insurance does not cover hail damage to metal roofs. They consider it to be only cosmetic. This is incorrect! Contact MidSouth Construction is you have a metal roof that has been impacted by a passing hail storm!


Hail Storm Roofing Faqs You Need to KnowSlate and tile roofs, while resilient, can suffer damage from hail, manifesting in cracks or chips that may compromise their integrity. Detecting such damages poses a considerable challenge due to the subtle nature of these imperfections. Furthermore, attempting to inspect these roofs by walking on them may inadvertently exacerbate the existing damage, creating additional issues. Therefore, a cautious and specialized approach is crucial in assessing and addressing hail-related damage to slate and tile roofs. Employing non-invasive inspection methods and relying on professional expertise becomes imperative to ensure accurate evaluation and effective restoration without causing further harm to these intricate roofing materials.


Flat roofing is susceptible to rips or holes that can facilitate water infiltration, ultimately resulting in the deterioration of the entire roof system. Furthermore, severe storms can introduce airborne debris that poses a potential threat to flat roof systems, a circumstance that is typically covered by insurance.

Hail Damage To A Roof Can Be Hidden!

Following a hailstorm, it’s unwise to assume that your roof is unscathed. Always take proactive steps by reaching out to a certified roofing contractor such as MidSouth Construction, boasting ample experience in your specific roofing type, and request a complimentary roofing inspection. As Nashville’s premier roofing company, we take pride in delivering honest, precise, and professional roof inspections. Our certification spans across various roofing materials, encompassing shingle, metal, TPO, EPDM, slate, and tile roofing. We’re delighted to offer a complimentary roof inspection post-hailstorm, ensuring a thorough assessment and peace of mind for homeowners.



Minor hail damage can take years to become apparent.  Unfortunately, the statute of limitations for filing a claim with your insurance carrier is usually expired by this time.  That is why if your home or business has been in the path of a hail storm, it needs to be inspected!  MidSouth Construction Roofing & General Contracting provides free, no-obligation roof inspections for residential and commercial properties.


Hail storm roofing facts

The National Weather Service considers hail severe if it is 1 inch or more in diameter. But even smaller hail can impact your roof! Hail damage varies based on the type of roof you have, the quality of the roofing materials, number of layers, length of the storm, speed of the storm, and size of the hail!  In other words, there is no specific answer to that question! 

We have seen significant roof damage caused by smaller hailstones and roofs that have sustained no damage or minor damage with larger hailstones!

Always have your roof properly inspected by a local roofing company after a hail storm has passed!  When our inspectors look at your roof they will try to determine the size of hail that has impacted your home.Here are some guidelines regarding hailstone sizes:

  • Pea  = 1/4-inch
  • Marble = 1/2-inch
  • Dime  = 3/4-inch
  • Nickel = 7/8-inch
  • Quarter = 1 inch
  • Golf Ball = 1½ Â inches
  • Tennis Ball = 2½ inches
  • Baseball = 2¾ inches
  • Tea cup = 3 inches
  • Softball = 4 inches

Needless to say, the larger the hail the more likely your roof, regardless of the type or age, will sustain significant roof damage! Hail storms in the Middle TN Nashville area generally stay around 1-1.5 but we have experienced significant size hail in the past!


We will inspect your entire property and exterior for other damages we well. As a full service licensed general contractor, we can repair or replace so much more than just your roofing!  Our hail damage experts will also look for damage to:

  • Gutters & Downspouts
  • Mailboxes or Flowerboxes
  • Awnings
  • Ventilation
  • Siding
  • Fascia
  • Heat and Air Units
  • Window Casings
  • Shutters
  • Window Screens
  • Door Frames and Window Frames
  • Cracked Glass
  • Dented Metal Doors
  • Window Screens
  • Skylights
  • Garage Doors
  • Exterior Barns or Storage Sheds
  • Outdoor Lighting
  • Outdoor Furniture
  • Fencing
  • Chipped Painting
  • Internal Water Spots
  • Damaged Wood
  • Damaged Swimming Pool Items
  • Gutter Guards and Gutter Screens
  • Chimney Covers
  • Hand Rails


Our team of professionals will inspect for hail damage that is visible and even “hidden†damage. Quite frankly, we are experts at inspecting for hail damage.  Here is what our roof inspectors will do:

  • Documentation –  All hail damage will be thoroughly documented with photographs and measurements
  • Meteorologist Reports – We are members of a nationwide storm map program and can provide documentation from a meteorologist if needed to your insurance company to pin down the exact storm date.
  • Thorough Roof Inspection – We never recommend that a homeowner attempt to climb on their roof to inspect for any damage. Our staff is always happy to provide free roof inspections
  • Your Voice with Your Insurance Carrier – We serve as your voice with your insurance carrier and are happy to meet with your insurance adjuster. This is critical because the insurance adjuster works for your insurance carrier.  Our experienced project manager will work for you!
  • Estimating with Xactimate  Our staff is knowledgeable with the Xactimate estimating software program. This is the same software used by almost all insurance carriers in determining your claim.  We never argue over pricing, but we do ensure that all line items are properly recorded and applied to your claim
  • Honest Findings – Best of all, if they find that you have no damage or minimal damage they will report those findings to you as well!

Is Hail Damage to My Roof Covered by Insurance?

As Nashville’s leading roofing contractors, we get asked that question a lot! Typically,INSURANCE CLAIM ROOF REPLACEMENT homeowner insurance policies cover any roof damage that is caused by unpreventable reasons – fire, wind, rain and hail. However, there can be many stipulations in your policy that will determine the amount of your coverage.   Some insurance carriers have started excluding roof damage sustained on defective or discontinued roofing materials as covered events.


Finally, each insurance carrier has its own specific criteria on what qualifies for a full roof replacement vs a roof repair due to wind damage or hail damage. Therefore, if you have sustained hail damage to your roof, you should contact an experienced roofing contractor to help you navigate the complicated insurance claims process!  MidSouth Construction is so much more than just roofing contractors! Our experienced staff includes licensed public adjusters and skilled estimators experienced in working with all insurance carriers!

If your damage is below the standard criteria for a roof replacement, we will advise you of that!

While we cannot guarantee that your insurance company will always agree with us, our vast experience will give you confidence in making the decision to file a claim or not!  


  • Substantial hail damage will generally warrant a full roof replacement covered by your insurance carrier.
  • The only cost to the homeowner is typically their deductible.
  • Space decking is generally covered by insurance if your policy has code endorsements
  • There is a statute of limitations on filing a claim for property damage!
  • You need someone to serve as your voice with your insurance carrier!
  • You need to hire a contractor who is knowledgeable in Xactimate to ensure that your claim is paid correctly!
  • Most insurance policies have code endorsements that will provide for current code items to be installed even if they are not existing.
  • Most insurance claims that are prepared by an insurance adjuster without a knowledgeable roofing contractor present, fail to include needed components


Once your insurance carrier has agreed that your damage qualifies for a full roof replacement, we then work directly with your insurance company to come to an agreed estimate. Our staff uses the Xactimate software program which is the same estimating program used by the insurance industry! We never argue over the cost to replace your roof with your insurance carrier! We do, however, make sure that every line item is properly listed and paid accordingly. 



We hope that article on hail storm facts you need to know has be helpful!  If your home or business has been in the path of a passing hails storm, call Midsouth Construction Roofing at 615-606-ROOF and request a FREE Roof inspection!



We install top-quality roofing systems that are built to meet code requirements today! Hail damage to your roofWe never cut corners and install a lower quality roof because of an incorrect insurance settlement!  When you hire MidSouth Construction, Nashvilles certified Master Elite Roofing Contractors, you can rest assured that your roof is built to last and your insurance claim is paid correctly including all current building code requirements.


Honest, accurate and professional roof inspections!  Trust MidSouth Construction – Call us today!

We provide free roof inspections for homeowners and commercial property owners in Davidson, Williamson, Wilson, Rutherford, Sumner, Cheatham and Montgomery Counties!  Some of the communities we service for hail damage are:  Antioch, Brentwood, Franklin, Hendersonville, Gallatin, Goodlettsville, LaVergne, Lebanon, Mt. Juliet, Murfreesboro, Nashville, Springfield, Ridgetop, Whites Creek, Spring Hill, Thompson Station and more!