Shingles are designed to protect against the weather, but the wind, rain and hail that often accompany a storm can cause damage. It's also important to remember that not all storm damage is obvious and that hidden damage can cause problems weeks or even months after a storm. To be sure you don't have hidden damage, have your roof inspected by a contractor you can trust to provide an honest assessment
Once hail hits the roof, the protective granules are knocked off at the point of strike, and these damaged areas are the sources of roof leaks in the future, if the roof is not fixed within a few years.
The roof does not leak immediately. It often takes years. It makes sense to check your roof and get in line for a roof replacement covered by your insurance company.
If you think you may have hail damage, it is best to call a local contractor you trust to check your roof. It's best to work with well known and reputable local companies even if you have to wait a while.
Even a roof paid for by your insurance company deserves to be the best; beautiful, installed correctly, free of leaks, and with a warranty from a contractor you know will be there for you in the future to actually honor the warranty.
However, there will be plenty of unscrupulous fly-by-night contractors that you need to be aware of. Work with your local contractor. It may be that he is booked up, but you have plenty of time to wait for the best contractors, because hail damage does not cause your roof to leak immediately. It can take years to leak, but it certainly shortens the life of the roof drastically, so you should make a claim, but there is no need to panic or to rush to get the job done with contractors who prey on you.
Check with your insurance company to find out how much time you have to file a claim. Don't be pressured by anyone else telling you something contrary to your insurer.
High winds can tear and remove shingles, leaving the roof deck, underlayment or old shingles from a previous roof exposed to the elements.
Wind can also lift and curl shingles by breaking the seal that bonds them together, leaving your roof vulnerable to wind-driven rain.
Hail can leave dents or pockmarks in shingles, dislodging the protective granules that protect against rain and sun damage.