Frequently Asked Questions

A HailScore is a storm damage risk rating from 0 to 100 based on real NOAA hail event data from the past 10 years. It analyzes hail events within 5 miles of your address, factoring in frequency, magnitude, and recency to give you a clear picture of your roof's storm exposure.

Yes, completely free for homeowners. There's no obligation, no credit card required, and no hidden fees. We connect homeowners with certified roofing contractors who pay for the referral — you never pay a dime.

All storm data comes from the official NOAA Storm Events Database, maintained by the National Weather Service. Our database includes over 96,000 verified hail events from 2015 to 2025, covering all 50 US states. This is public domain government data — the same data used by insurance companies and meteorologists.

If your HailScore is 50 or above, we strongly recommend getting a free roof inspection from a certified contractor. Many homeowners discover hidden hail damage that their insurance will cover — often paying for a full roof replacement at little or no out-of-pocket cost.

Not necessarily. A high HailScore means your area has experienced significant hail exposure, which increases the probability of damage. However, actual roof damage depends on many factors including your roof's age, material, and the specific path of each storm. Only a professional inspection can confirm whether your roof has sustained damage.

The HailScore analyzes all NOAA-verified hail events within a 5-mile radius of your address. The algorithm weighs three factors: hail size (40% — larger hail causes exponentially more damage), frequency (30% — more events mean higher cumulative risk), and recency (30% — recent storms within the last 2 years are weighted more heavily). Distance decay is applied so events closer to your property contribute more to the score.

Yes, HailScore currently covers all US addresses. Our coverage is strongest in hail-prone states like Colorado, Texas, Oklahoma, Kansas, Nebraska, Minnesota, South Dakota, Iowa, Illinois, Wisconsin, Alabama, Georgia, South Carolina, and North Carolina — areas commonly known as "Hail Alley."

The time limit varies by state and insurance policy, but most carriers allow one to two years from the date of the storm to file a hail damage claim. In Colorado, the statute of limitations is typically two years. We strongly recommend checking with your insurance provider and acting promptly — the sooner you file, the smoother the process.