FAQ
Frequently Asked Questions
Everything you need to know about HailScore, hail damage, and protecting your home.
About HailScore
What is HailScore?+
HailScore is a free tool that generates hail exposure scores for any US address using 10 years of NOAA radar data. Enter any street address and get a score from 0 to 100 that reflects how much hail activity has occurred near your property. A higher score means more hail exposure and greater likelihood of roof damage.
Is HailScore free?+
Yes. HailScore is completely free for homeowners. No credit card, no signup, no hidden fees. We built HailScore because we believe storm damage transparency should not cost money. Every homeowner deserves access to the same data that insurance companies use.
Can I check any address?+
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."
Can I get my hail history as an official PDF document?+
Yes — the Official Hail History Report is a one-time $9.95 PDF covering every recorded hail event within 1 mile of an address over the past 10 years, each cited to its NOAA, NEXRAD, MRMS, SPC, or CoCoRaHS source record, with an optional date-of-loss check. Order it at myhailscore.com/storm-report. It documents hail exposure, not roof damage — and the free score, map, and timeline stay free either way.
Data and Methodology
What data does HailScore use?+
All storm data comes from the official NOAA Storm Events Database and NEXRAD radar network. Our database includes 8.6 million NOAA NEXRAD radar records from 2015 to present, plus live MRMS radar, covering every US address. Every record is filtered to hail 0.75 inches or larger, which is the National Weather Service threshold for damaging hail. This is the same data used by meteorologists and insurance adjusters.
How is the score calculated?+
The HailScore analyzes all NOAA-verified hail events within an 8-mile radius of your address. The algorithm weighs five factors: hail size, frequency, recency, cumulative damage potential, and proximity. Larger hail causes exponentially more damage, more events mean greater cumulative exposure, and recent storms are weighted more heavily, with influence fading over roughly a decade. Distance decay is applied so events closer to your property contribute more to the score.
Scores and Next Steps
What should I do if my score is high?+
If your HailScore is 50 or above, we recommend having a qualified roofer inspect your roof. Many homeowners discover hidden hail damage that their insurance will cover. Knowing your storm history puts you in control. You can make informed decisions and avoid being taken advantage of by anyone who knocks on your door after a storm.
Does a high score mean my roof is damaged?+
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.
How long do I have to file an insurance claim?+
Claim deadlines and coverage rules vary by carrier and policy — and by state. Confirm yours with your insurer or, in Colorado, the Colorado Division of Insurance (doi.colorado.gov). HailScore does not set filing windows and is not legal advice. Document what you observe promptly and get a professional inspection if nearby hail was large enough to matter for your roof.
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Get My Free HailScoreWeather data provided by NOAA National Weather Service and Storm Prediction Center. This product is not affiliated with or endorsed by the U.S. Government. This tool provides weather data for informational purposes only and is not a professional roof inspection.