Many homeowners are prone to ask, "What does it cost, on average, to repair the damage done by a hail storm?" The question is important, and hail damage repairs can often cost thousands of dollars, depending on the size of the hail, the impact angle and force, and the duration of the storm.
The truth is, however, that hail damage varies widely in total cost and falls into three major categories: roof damage, pavement damage, and vehicle damage. Siding, fences, and decking can also potentially suffer harm from hail impacts, but we should focus here on "the big three" that we have identified.
Hail Damage to Roofing
Being more exposed to the weather than any other part of the house, roofs take the brunt of every hailstorm. Asphalt shingles, while the most common and among the cheapest forms of roof material, are prone to severe damage by hail stones, given the right conditions.
Oftentimes, hail will leave circular dents, dings, and cracks predominantly only on one side/section of a roof or scattered here and there throughout. This makes it possible to usually replace only a portion of the shingles, but untouched shingles adjacent to damaged ones will have to be taken up and put back down during the repair process, which adds to labor costs. You can easily expect a few hundred to a few thousand dollars of damage in these partial replacement jobs.
When the damage is severe and widespread enough to call for total roof replacement, you could be looking at a $10,000 to $20,000 (approximately $13,440 to $26,880 CAD) bill. Luckily, homeowners' insurance will typically cover this expense, and you will only have to pay the deductible and any peripheral expenses like replacing pieces of rotted-out roof decking. However, insurance companies will withhold the "depreciation" value, meaning the difference between the value of a brand new roof and the value of your not-brand-new roof. If your roof is, say, 10 years old, expect $3,000 to $5,000 (approximately $4,032 to $6,720 CAD) to come off. Many insurers will "refund" the depreciation sum directly to the contractor after the new roof is on, but it won't be in your initial cash claim.
Finally, note that, whether replacement is total or partial, you can expect to pay $400 to $700 (approximately $537 to $940 CAD) per "square" (100 square foot roofing section). This includes material, labor, underlayment, flashing, and everything. The total cost is around $4,000 to $5,000 (approximately $5,376 to $6,720 CAD) on an average-sized roof, but this does not include extra for tearing off the existing roofing.
Hail Damage to Driveways
Concrete pavement should not be significantly damaged by hail, unless it was improperly installed to begin with, but asphalt driveways are often victimized by hail stones. Even basic homeowner's insurance, however, usually covers hail damage to asphalt surfaces, so long as the insurer's assessor agrees it really was hail that did the damage.
In mild cases, you can probably just patch up any dimples and reseal the surface, which ought to be done every 3 to 5 years anyway to strengthen the surface and keep it from getting too brittle in cold weather. This may not even cost $100 (approximately $134 CAD).
The next level is to have your asphalt resurfaced, which averages around $1.50 to $2.50 per square foot (approximately $21.69 to $36.15 CAD per square meter). It can be done in a single day, and would cost $750 to $1,250 (approximately $1,008 to $1,680 CAD) on a 500-square-foot (46.45 m2) drive.
If the hail damage has weakened the underlying structure enough to merit removal and replacement, you will be looking at about $3 to $4 per square foot (approximately $43.39 to $57.85 CAD per square meter). That's $1,500 to $2,000 (approximately $2,016 to $2,688 CAD) to replace 500 square feet (46.45 m2) of pavement.
Keep in mind that the real costs will vary greatly based on local pricing, size of driveway, and how "high-end" you choose to go.
Hail Damage to Automobiles
Often overlooked is the cost of hail damage to vehicles, but the total price tag can be quite significant. It is common to see prices of at least $30 (approximately $40 CAD) per hail impact for PDR (paintless dent repair) of even the smallest hail dents. Medium-sized dents may cost $50 (approximately $67 CAD) to remove, and large dents can cost up to $80 (approximately $107 CAD) per dent.
If the dents are in hard to work on areas like the car's roof, the cost goes up. Finally, broken windshields average about $300 (approximately $403 CAD) to replace.
If you have comprehensive auto insurance (often the case when you have not yet paid off the car loan), hail damage will be covered.
Hail damage costs homeowners millions of dollars in damage every single year in the U.S. While it often cannot be prevented, there are ways to minimize, and homeowner's and comprehensive auto insurance policies will cover it. Knowing the potential costs of hail damage ahead of time will help motivate to guard and insure against it so you are not caught unprepared should a major hail storm hit your home.