⚡ Quick Answer
Boise Roofing Contractors provides free hail damage roof inspections throughout Ada County. Boise’s hail season runs May–August with up to 12 significant events per year. Most hail damage qualifies for insurance coverage with Idaho Farm Bureau, State Farm, and Farmers. We document all damage for your claim — at no charge.
Boise Hail Season — When to Schedule Your Inspection
Ada County sits in one of Idaho’s most hail-active corridors. Hailstorms tracking northeast from the Owyhee Mountains can produce hailstones ranging from pea-size to golf ball–size (1.75 inches), the latter capable of penetrating asphalt granules, exposing fiberglass mats, and cracking tile and cedar shake.
The critical fact most Boise homeowners don’t know: hail damage is not always visible from the ground. Impact bruises in asphalt granule layers require rooftop inspection with specialized raking light techniques. Roofs with qualifying damage (8+ impact points per 100 sq ft) are typically covered for full replacement by Idaho insurance carriers — but only if the damage is documented and claimed within the policy’s filing window (typically 1–2 years).
in Ada County
in Boise area
window (by carrier)
How We Assess Hail Damage
- Rooftop inspection — we go on your roof, not just look from the ground
- Raking light technique — illuminates impact bruises invisible in direct light
- Impact density count — quantified per 100 sq ft as required by adjusters
- Granule loss measurement — determines extent of UV protection compromise
- Satellite dish, AC unit, and gutter assessment (secondary hail indicators)
- Photo documentation with timestamps and GPS coordinates
- Written damage report in insurance-ready format
Insurance Coverage for Hail Damage in Idaho
Idaho homeowners insurance covers hail damage when the roof shows qualifying impact density and the damage is documented as occurring during a specific storm event. We correlate your inspection findings with NOAA storm data to establish the date and severity of the hail event — a critical step that insurance companies require to approve claims.
| Insurer | Filing Window | Threshold for Full Replacement | Notes |
|---|---|---|---|
| Idaho Farm Bureau | 1 year | 8+ impacts per 100 sq ft | Supplemental claims common; engage quickly |
| State Farm | 2 years | Varies by inspector | We have extensive experience with State Farm Boise adjusters |
| Farmers Insurance | 2 years | 8+ impacts per 100 sq ft | Preferred contractor program available |
| USAA | 1–2 years | Functional damage standard | Thorough process; documentation quality matters |
| Nationwide / Allied | 1 year | Cosmetic vs. functional threshold | Challenge functional damage designations if needed |
Frequently Asked Questions
Experienced a recent hailstorm? Schedule your free hail inspection or call (208) 545-8226. Don’t miss your insurance claim window. See also: Storm Damage Repair | Insurance Claim Assistance