🧊 Hail damage to your home? Call (480) 204-9035 — RCS Builders assesses and repairs hail damage across Greater Phoenix
Hail Damage Specialists
24/7 Emergency Response
Hail Damaged Your Home. We Find
Every Impact and Fix
All of It.
Hail damage is the most commonly missed and most frequently underpaid property damage event in Arizona. The impacts are real — cracked roof tiles, stripped shingle granules, dented gutters and metal, broken skylights, and damaged HVAC equipment — but most of it is invisible from the ground and impossible to assess without roof access. Homeowners who call a roofer see a roofing estimate. Homeowners who call RCS Builders get a complete hail damage assessment — every system affected, every component documented, and a full Xactimate estimate that captures the entire loss. We repair hail damage across Greater Phoenix from roof through HVAC through full insurance claim closeout. One call. Done right.
IICRC Certified • Xactimate Estimating • Licensed & Insured • 30+ Years in the Valley • amily Owned Since 1994
June–Sept
Phoenix Hail Season — Monsoon Supercells
East Valley
Highest Hail Frequency in the Phoenix Metro
Invisible
Most Hail Damage Cannot Be Seen From the Ground
Timely
Insurance Reporting Requirement After Hail Event
100%
Of Hail Claims Require Roof Access to Assess Correctly
⚠️ Hail Damage Claims Have Timely Reporting Requirements — And Hail Season in Phoenix Is Not Short
Arizona homeowner's insurance policies require timely reporting of hail damage — and most carriers have specific language about the reporting window after a hail event. Hail damage that is not reported promptly gives carriers grounds to challenge coverage — arguing that the damage could have occurred in a different event or that delayed discovery indicates pre-existing deterioration rather than storm damage. In Greater Phoenix, hail events occur primarily during monsoon season — June through September — with the East Valley, Scottsdale, North Phoenix, and the I-17 corridor seeing the most frequent significant hail activity. If your property was in the path of a hail event, call us for an assessment before you decide whether to file a claim. You cannot know what is covered until the full scope of damage is documented.
What Hail Damages
What Hail Damages on a Phoenix Home — Every System We Assess and Repair
Hail damage is not limited to the roof. Here is every system on a Phoenix home that hail impacts — and what we look for on each one.
01
Concrete & Clay Roof Tile
Phoenix's dominant roofing material — concrete and clay tile — cracks and fractures under hail impact. Fractured tiles create immediate water intrusion vulnerability at the fracture point and compromise the interlocking system that protects the tile field as a whole. Cracked tile is frequently invisible from the ground — impacts appear as small fractures or spider cracks that are only identifiable from roof access. Every tile in a hail-affected field must be walked and individually assessed.
Phoenix Primary Roof Type
02
Composition Shingles
Hail strips protective granules from composition shingles — exposing the asphalt substrate to UV degradation that shortens roof life significantly. Granule loss from hail impact is visible as bare patches or as excessive granule accumulation in gutters after a storm. Significant granule loss from a single hail event qualifies as functional damage — the shingle's protective lifespan is shortened and the roof is a covered replacement even if it does not immediately leak.
Granule Loss · Functional Damage
03
Gutters & Downspouts
Metal gutters and downspouts are among the clearest indicators of a significant hail event — hail impacts leave visible dents and dings in aluminum gutters that are easily documented. Gutter damage from hail is a standard covered component of hail claims and is consistently included in full-scope Xactimate estimates. Damaged gutters that are not replaced allow water to overflow against the fascia and foundation perimeter — creating secondary water damage.
Clear Documentation
04
HVAC Equipment — Condenser Fins & Coils
Rooftop and ground-mounted HVAC condenser units are fully exposed to hail impact — and hail damage to condenser fins reduces cooling efficiency immediately. Bent and compressed fins restrict airflow through the condenser coil, forcing the unit to work harder and reducing its operational lifespan. HVAC condenser damage from hail is a covered component of the hail claim and must be assessed by an HVAC technician as part of the complete damage documentation.
Efficiency Loss · Covered
05
Skylights & Windows
Skylights are particularly vulnerable to hail impact — the glazing cracks or shatters under direct hail contact, and even impacts that do not shatter the glazing compromise the seal and create future water intrusion vulnerability. Window screens are destroyed by any significant hail event. Larger hail events crack window glazing and damage window frames on exposed elevations. All skylight and window damage is documented and included in the hail claim scope.
Immediate Water Risk
06
Soffits, Fascia & Vents
Aluminum soffits, fascia panels, and exterior vent covers sustain visible denting from hail impact — particularly on the exposed upper elevations of two-story homes. Damaged soffit panels that are not replaced allow pest intrusion and moisture infiltration at the roofline. All aluminum exterior components on the hail-exposed elevations are assessed and included in the damage documentation.
Aluminum Components
07
Solar Panels
Solar panel arrays are vulnerable to hail impact — particularly from large hail events. Impact damage to solar panels ranges from cosmetic crazing of the protective glass to full panel cracking that eliminates power generation from affected panels. Solar panel hail damage requires assessment by a solar technician and is a covered component of the hail claim — coordinate with your solar provider and document damage before any cleaning or adjustment of the array.
Solar Assessment Required
08
Patio Covers, Shade Structures & Vehicles
Patio covers — aluminum, wood, and lattice — sustain direct hail impact damage on the horizontal surface. Metal patio covers show clear denting. Wood patio covers show impact marks and splitting. Vehicles parked outside during a hail event sustain bodywork damage that is covered under auto insurance comprehensive coverage — separate from the homeowner's claim. We document structural hail damage to patio covers and exterior structures as part of the homeowner's claim scope.
Patio & Structure
Hidden Damage
Where Hail Damage Hides — Why You Cannot Assess It From the Driveway
The most important thing to understand about hail damage is that the vast majority of it is not visible from the ground. Here is where hail damage hides — and why every assessment requires roof access.
1
Cracked Tile — Only Visible From the Roof Surface
Concrete and clay tile cracks from hail impact appear as fine fractures, spider cracks, or corner chips that are completely invisible from ground level. Walking the roof and inspecting each tile individually — lifting tiles where necessary to assess the tile below — is the only way to accurately document hail damage to a tile roof. Any hail damage estimate based on ground-level observation of a tile roof is incomplete.
2
Granule Loss — Only Quantifiable From the Roof Surface
Granule loss from hail impact on composition shingles is visible as bare or thin patches on the shingle surface. From the ground, granule loss is difficult to distinguish from normal shingle aging. On the roof surface, hail impact points appear as circular bare spots in the granule field — quantifiable and documentable as hail damage distinct from weathering. Granule accumulation in gutters after a storm is a supporting indicator but not a substitute for roof-surface assessment.
3
Underlayment Damage — Below the Tile Surface
Large hail impacts can damage roofing underlayment beneath tile without cracking the tile itself — compressing and tearing the underlayment at the impact point while the tile above remains intact. Underlayment damage of this type creates future water intrusion vulnerability that is not apparent until the next significant rain event. Underlayment assessment in a tile roof requires tile removal — it cannot be assessed from above or below without access.
4
HVAC Fin Damage — Only Quantifiable Up Close
Condenser fin damage from hail requires close inspection of the coil face — fin deflection from hail is visible as a pattern of bent fins that differs from the directional damage of debris impact or wind. HVAC hail damage documentation requires an HVAC technician's assessment and report — a photograph of a dented condenser is supporting evidence, not a complete assessment.
5
Water Intrusion From Cracked Tile — Delayed Discovery
Cracked roof tiles from hail events often do not produce immediate water intrusion — the crack may allow water to enter the roof assembly only under specific wind-driven rain conditions that may not occur until weeks or months after the hail event. Homeowners frequently discover hail-related water intrusion during the next monsoon event — after the original hail damage claim window has become complicated by delayed reporting.
What We Do
Complete Hail Damage Assessment and Repair — Every System, Full Claim
📡
Full Hail Damage Assessment
Complete roof access inspection of every roofing surface — tile walked individually, shingles assessed for granule loss and impact marks, flat membrane assessed for impact damage. All exterior systems assessed — gutters, soffits, fascia, skylights, windows, HVAC, and patio covers. Full documentation with photographs of every impact area before any repair begins.
First Step · Roof Access Required
🏠
Roof Repair & Replacement
Cracked tile replaced individually or full roof replacement as indicated by damage scope. Shingle roofs with functional granule loss replaced under full roof replacement scope. Underlayment replaced where damaged. All flashings and penetrations assessed and replaced as part of complete roof restoration.
All Roof Types
🌀
Gutter & Downspout Replacement
Hail-dented gutters and downspouts removed and replaced. Gutter hangers and fascia assessed behind gutters. New gutters installed and downspouts directed away from foundation perimeter. Gutter replacement is a standard covered component of every significant hail claim.
Standard Scope
❄️
HVAC Assessment & Repair Coordination
Licensed HVAC technician coordinated to assess and document condenser fin damage, coil condition, and operational impact. HVAC assessment report prepared and included in insurance claim documentation. Fin straightening or condenser replacement as indicated by technician assessment.
Technician Coordinated
🪟
Skylight & Window Repair
Cracked or shattered skylights replaced. Window glazing replaced where impacted. Window screens replaced throughout affected elevations. All skylight and window repairs permitted where required and included in the hail claim Xactimate estimate.
All Glazing
🏗️
Soffit, Fascia & Exterior Component Repair
Hail-damaged aluminum soffits, fascia panels, and exterior vent covers replaced on all affected elevations. Exterior component replacement documented and included in the Xactimate estimate as standard hail damage scope items.
All Elevations
💧
Water Intrusion Repair — Hail-Related
Any interior water damage resulting from hail-compromised roofing assessed and restored — ceiling drywall, insulation, and finish work. Hail-related water intrusion is part of the same claim as the roof damage. Interior repair begins after roof is permanently restored and dried.
Same Claim
📋
Insurance Documentation & Claim Management
Full Xactimate estimate covering all hail-damaged systems — roof, gutters, HVAC, skylights, windows, soffits, and patio covers. Adjuster on-site walk coordinated and managed. Hail claims supplemented aggressively when adjusters attempt to limit scope to roof only.
Full Scope · All Systems
Immediate Action Guide
Hail Event Just Hit Your Area — Do These Things Right Now
Step 1
Document from the ground immediately after the storm
Photograph and video your roof from ground level, your gutters, HVAC unit, skylights, windows, and any patio covers — immediately after the hail stops. Ground-level documentation establishes the post-storm condition before any cleaning or weather exposure occurs.
Step 2
Check gutters for granule accumulation
If your home has composition shingles, check your gutters for granule accumulation after the storm. Significant granule discharge into gutters after a storm indicates hail impact on the shingle surface. Photograph the gutters before cleaning.
Step 3
Do not go onto the roof yourself
Hail-damaged roofing — cracked tile, wet shingles — is an unstable walking surface. Do not go onto the roof to assess damage yourself. Professional assessment with proper safety equipment is required.
Step 4
Report the claim to your insurance carrier promptly
Call your homeowner's carrier and report the hail event as soon as possible. Timely reporting is a policy requirement for hail damage claims. You do not need a full assessment before reporting — report the event and let documentation follow.
Step 5
Call RCS Builders — (480) 204-9035
We assess hail damage across Greater Phoenix — roof access inspection, all exterior systems, full Xactimate documentation. Call us before the adjuster comes so we can walk the damage together and establish the full scope from the start.
Step 6
Do not have the roof repaired before the adjuster documents it
Do not allow any contractor to begin permanent roof repairs before your insurance adjuster has documented the hail damage. Temporary tarping of any active leaks is appropriate — permanent repair before documentation removes the evidence base for the claim.
Hail Damage Is Covered. We Document Every Impact.
Hail damage to roofing, gutters, HVAC, skylights, windows, and exterior components is covered under standard Arizona homeowner's insurance policies as a windstorm and hail peril. Hail claims require timely reporting and thorough documentation — carriers challenge hail claims more aggressively than most other damage types, often arguing that damage is pre-existing weathering rather than storm damage. We document every hail impact point on every system — roof, gutters, HVAC, and all exterior components — with photographs that distinguish hail impact patterns from normal weathering. Our Xactimate estimates cover every damaged system, not just the roof. We coordinate the adjuster walk and supplement aggressively when carriers attempt to limit scope to roofing only.
- Hail event documented with date, storm track, and impact evidence
- Full roof access inspection — every tile or shingle assessed individually
- Granule loss documented on shingle roofs — functional damage established
- HVAC condenser damage assessed and included
- Gutter and downspout damage documented and included
- Skylight and window damage documented and included
- All exterior component damage documented — soffits, fascia, vents
- Complete Xactimate estimate — all damaged systems
- Adjuster walk coordinated and managed
- Works with all major Arizona homeowner's carriers
Available 24/7
Client Stories
Real Hail Damage Jobs. Across Phoenix.
★★★★★
"A monsoon supercell dropped golf ball hail on our neighborhood in Queen Creek. RCS assessed the full roof, documented every cracked tile, and got a complete roof replacement covered. The adjuster only wanted to replace a few tiles — RCS supplemented and won."
Thomas & Amy B. — Encanterra, Queen Creek AZ
Tile Roof · Full Replacement · Supplement Won
★★★★★
"We didn't realize how bad the hail damage was until RCS got on the roof. Cracked tiles we never would have seen from the ground, dented gutters, and HVAC fins completely bent. All of it covered under one claim."
Sandra L. — Eastmark, Mesa AZ
Hidden Damage · Multiple Systems · Full Claim
★★★★★
"RCS was on our roof the day after the hail storm — before the adjuster. When the adjuster arrived we walked it together and the scope was established correctly from the start. Saved us a lot of back and forth."
David & Rachel K. — DC Ranch, Scottsdale AZ
Pre-Adjuster Assessment · Correct Scope · Scottsdale
★★★★★
"Hail cracked several skylights and put water in our living room ceiling. RCS replaced the skylights, dried the ceiling, and rebuilt the drywall — all under one hail damage claim. Fast and professional."
Carol M. — Seville, Gilbert AZ
Skylight · Water Intrusion · Full Claim
Questions & Answers
Hail Damage — Frequently Asked Questions
My roof looks fine from the ground after the hail storm — do I still need an inspection?
Yes — absolutely. The most significant hail damage on a Phoenix tile roof is invisible from the ground. Tile cracks, underlayment compression damage, and granule loss on shingles all require roof access to assess. We assess hail damage every week on Phoenix roofs that appeared undamaged from the street. Do not make a coverage decision based on a ground-level observation — call us for a proper roof access inspection before you decide whether to file a claim.
Does homeowner's insurance cover hail damage in Arizona?
Yes — hail damage is covered under standard Arizona homeowner's policies as a windstorm and hail peril. Coverage includes roofing, gutters, HVAC, skylights, windows, and exterior components damaged by the hail event. Timely reporting is required — report the event to your carrier promptly after the storm. We document every damaged system and build a complete Xactimate estimate that captures the full covered loss.
The adjuster said only a few tiles are damaged and doesn't want to replace the whole roof — is that right?
Not necessarily. Individual tile replacement on a hail-damaged tile roof is a legitimate scope on limited events — but it frequently underestimates the actual damage. Our tile-by-tile roof walking assessment establishes the true count of damaged tiles. If the damaged tile count exceeds a threshold that makes individual replacement impractical — or if matching tile is no longer available — full roof replacement is the correct scope. We document the tile count and the matching availability issue and supplement when individual replacement is not the appropriate scope.
How long do I have to file a hail damage claim in Arizona?
It varies by policy — check your specific policy for the reporting and claim filing requirements. Most Arizona homeowner's policies require timely reporting of the loss event — meaning you should report the storm and the damage to your carrier promptly after discovery. Do not assume you have a year or more to file — call your carrier and call us as soon as possible after the storm.
The hail also dented my car — does that go on the same claim as the house?
No — vehicle hail damage is covered under your auto insurance policy under comprehensive coverage. It is a separate claim from the homeowner's claim for your house. You will file two separate claims — one with your homeowner's carrier for the structure and one with your auto carrier for the vehicle. We handle the homeowner's claim documentation — your auto carrier handles the vehicle separately.
How long does hail damage repair take?
Assessment and documentation — one to two days. Roof repair or replacement — typically 3–7 days once materials are available. During peak hail season, roofing material availability and contractor scheduling can extend timelines — we manage material procurement from the start of every project to minimize delays.
Hail damage came with a monsoon storm? See our Monsoon Damage Repair page. Need a full roof assessment and repair? See our Roof Storm Damage Repair page. Full scope of storm damage services at our Storm Damage Restoration hub.
Service Area
Hail Damage Repair Across Greater Phoenix
Based in Tempe. Assessing and repairing hail damage across all of Maricopa County — with particular focus on the East Valley, North Phoenix, and Scottsdale corridors where hail events are most frequent.
San Tan Valley
Paradise Valley
Fountain Hills
Apache Junction
Sun Lakes
Peoria
Avondale
Goodyear
Surprise
Maricopa
Gold Canyon
Carefree
Ahwatukee
Ocotillo
Arcadia
Cave Creek
Phoenix
Tempe
Chandler
Mesa
Gilbert
Scottsdale
Queen Creek
Laveen
Glendale
Hail Hit Your Home.
Get the Full Scope Before
the Adjuster Does.
Most hail damage is invisible from the ground and most hail claims are initially underscoped. RCS Builders gets on your roof, assesses every system, documents every impact, and builds the complete Xactimate estimate — so the full covered scope is established before your adjuster writes their first number.
(480) 204-9035
Available 24/7 · Greater Phoenix Valley · Licensed General Contractor · IICRC Certified