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In most cases, homeowner’s insurance policies include coverage for hail-damaged roofs, but you should check your policy to confirm that you’re covered. Even if your insurance company will cover the damage, you may not have enough damage to warrant filing a claim. Remember, you’ll still have to pay your deductible, which ranges from $500 to $2,000 in most cases and may be more than the cost to repair the damage without involving your insurance provider. Plus, filing a claim may raise your premium.

Unfortunately, there’s no definitive answer to this question, but the wind rating of your shingles will give you a good idea of what wind speeds can damage your roof. If you’re concerned about damage, inspect your roof following windy conditions to look for signs of wind damage to your shingles. When in doubt, consider hiring a professional who fixes roofs to carry out an expert inspection. Remember that hurricanes, tropical storms, and tornadoes are likely to cause the most damage, but even severe thunderstorms can bring winds that compromise your roofing system.

Tipping roofers, even for emergency roof repairs, isn’t really expected. However, it can be a very nice gesture, especially if the roofer is saving your home from extensive damage. Tips don’t need to be in the form of money, either. You can make them a meal or bring them coffee—these gestures are often more appreciated as they’re more personal than cash.

Some hail storms can cause serious damage to your roof and shingles, but unless your roof is aging or already in poor condition, it’s unlikely to necessitate a full roof replacement. It is rare for an insurance company to approve a roof replacement after a hailstorm.