Understanding Metal Roof Durability, Hail Ratings, and Post-Storm Inspection Tips
Metal roofs are widely recognized for their durability and low maintenance, making them a popular choice for commercial buildings across Colorado. But when a severe storm hits—especially one involving hail—business owners often wonder: Is my metal roof really hail-proof?
The short answer is: no roof is entirely immune to hail damage, including metal. While metal roofing systems offer superior impact resistance compared to asphalt shingles or membrane roofs, large hailstones or high-velocity impacts can still cause damage that may affect both the appearance and performance of the system.
How Hail Can Affect Metal Roofs
1. Dents, Dings & Surface Damage
Metal roofs typically don’t crack or break like other materials. However, large hail (typically over 1.75 inches in diameter) can cause noticeable dents, especially in more malleable metals like aluminum or copper. These dents may be cosmetic, but they can also compromise the protective coating, making the roof more vulnerable to corrosion over time.
2. Functional Damage to Accessories
Even if the roof panels themselves withstand hail, components like exhaust caps, vents, flashing, skylights, and boot seals may suffer cracking, bending, or dislodgement. These vulnerable areas can quickly lead to water intrusion, ceiling leaks, and eventual property damage if not addressed promptly.
3. Paint and Coating Damage
Most metal roofs are finished with a protective polymer coating or paint. Hail impact can chip or scratch this surface, exposing the bare metal to oxidation and rust—especially in steel systems. Damage of this kind may start as cosmetic but lead to more severe issues if left unchecked.
Factors That Influence Hail Damage on Commercial Metal Roofs
- Hail Size and Wind Speed: The larger the hail and the faster it falls, the more likely it is to leave an impact.
- Type of Metal Roofing: Steel is generally more resistant than aluminum, while copper—though aesthetically pleasing—is more susceptible to dents.
- Roof Slope and Decking Material: Steeper slopes tend to deflect hail better. Roofs with plywood or OSB decking absorb impact more effectively than those with metal deck panels.
- Roof Age and Condition: Older roofs with worn coatings or prior roof repairs are more vulnerable to damage.
- Insulation Underlayment: Adequate roof insulation can reduce hail impact and vibration.
Post-Hailstorm Checklist for Commercial Property Owners
If your business has recently experienced a hailstorm, it’s critical to inspect your metal roof—even if there are no visible leaks. Here’s what to do:
Visually Inspect the Roof
Look for dents, scratches, or missing components. Pay close attention to vents, chimney caps, skylights, and roof valleys where hail can accumulate.
Document the Damage
Take clear photos of all visible signs of damage—both from ground level and (if safe) from the roof. This documentation is crucial for filing a hail damage claim with your insurance provider.
Call a Professional Roofing Contractor
A licensed commercial roofer can conduct a detailed inspection, including structural components and waterproofing systems that may not be visible to the untrained eye.
Review Your Insurance Policy
Check your insurance coverage for hail events, and file a claim promptly. Make sure you understand terms like deductible, actual cash value, and depreciation.
Schedule Repairs or Replacement
Even minor dents may warrant roof leak repair or sealant touch-ups to prevent future problems. For significant damage, roof replacement may be recommended—particularly if coatings, fasteners, or seams are compromised.
FAQs: Hail Damage & Metal Roofs
1. Can hail puncture a metal roof?
While uncommon, extremely large hail (over 2.5 inches in diameter) can cause punctures, especially if the roof is aging or has thin metal panels. More often, hail causes surface dents or paint damage.
2. Is denting considered functional damage or cosmetic?
That depends on the extent. Small dents may be cosmetic, but if they damage the protective coating, they can expose the metal to rust or corrosion, leading to long-term performance issues.
3. How can I tell if my metal roof has hail damage?
Look for visible dents, scratched sealants, chipped paint, or compromised accessories like downspouts and flashing. It’s also wise to schedule a professional inspection after any severe storm.
4. Will my insurance cover hail damage to a commercial metal roof?
Most commercial insurance policies cover hail damage, but you’ll need documentation and possibly a professional inspection to file an accurate claim. Be sure to check the terms of your insurance policy.
5. Should I replace my metal roof after a hailstorm?
Not always. Many roof repairs can address minor dents or coating damage. However, if the damage affects structural components or leads to leaks, a roof replacement may be the better option.
6. How can I protect my metal roof from future hail damage?
Choose thicker panels with a Class 4 impact resistance rating, and consider protective coatings. Routine maintenance and post-storm inspections can also help catch issues early.
Protect Your Investment with Blue Frog Roofing
Whether you’re dealing with hail on a metal roof, dented commercial roofing panels, or compromised coatings, the experts at Blue Frog Roofing are here to help. We specialize in commercial roof repair and replacement services throughout Colorado, serving businesses in Longmont, Loveland, Denver, and beyond.
Call Blue Frog Roofing today to schedule a professional roof inspection and safeguard your property against storm-related damage. Let us help you protect your business from the top down.