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Hail Damage to Skylights: Inspection Guide for Homeowners

Last updated October 25, 2026

The short answer

Start with a Safe Ground Check

Begin your inspection from the ground using binoculars. Look for visible cracks, shattered panes, or pieces of debris on the roof or yard. Hail can cause tiny fractures that are hard to see from a distance, so a closer look is often needed.

If you have a ladder and feel comfortable, climb up for a closer view. Always have someone hold the ladder and avoid stepping on wet or icy surfaces. Never walk on a skylight itself, as it may not support your weight.

Check the Frame and Flashing

The metal or plastic frame around the skylight can bend or crack from hail impact. Inspect the flashing, the metal strips that seal the edges, for dents or gaps. Even a small gap can let water seep in during the next rain.

Look at the sealant and caulking around the frame. Hail can loosen or crack these materials. If you see any separation, water can find its way into your home. Take photos of any issues you spot for your records.

  • Look for cracks in the glass or acrylic
  • Check for dents or bends in the frame
  • Inspect the flashing for gaps or lifting
  • Examine the sealant for cracks or missing sections
  • Note any water stains on the ceiling below
  • Check for debris or hail stones on the skylight

Inspect from Inside Your Home

Go inside and look at the skylight from below. Use a flashlight to spot hairline cracks that may not be visible from outside. Also check the ceiling around the skylight for water stains, discoloration, or soft spots.

Feel the area around the frame for any dampness or drafts. If you find moisture, that is a sign the seal has been compromised. Even small leaks can lead to bigger problems like mold or rot if left unaddressed.

Document Damage for Your Records

Take clear photos of any damage you find, both from the outside and inside. Include a ruler or coin for scale in some pictures. Write down the date of the storm and the date of your inspection. This information can help when you report the damage.

If you have insurance, check your policy to see if hail damage to skylights is covered. Policies vary, and your insurer decides what is covered. Contact your insurance company to ask about the claims process and what documentation they need.

When to Call the Pros

If you see cracks, leaks, or any sign of water intrusion, it is wise to have a professional inspect the skylight. Local water damage pros can assess the extent of the damage and recommend the right repairs. They have the tools and experience to spot hidden issues.

For a detailed evaluation, consider a thermal imaging inspection, which can reveal moisture behind walls or ceilings that is not visible to the eye. If the skylight is part of a larger structural concern, a structural engineering inspection may be needed. Acting quickly can prevent further damage.

  • Cracks or holes in the skylight surface
  • Water stains or dripping from the ceiling
  • Gaps in the flashing or sealant
  • Visible sagging or warping of the frame
  • Hail stones or debris sitting on the skylight

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Water keeps spreading into floors and walls, so it is worth acting early. Calls are answered 24/7.

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Frequently asked questions

How can I tell if hail cracked my skylight?

Look for cracks, chips, or spiderweb patterns in the glass or plastic. Run your hand gently over the surface to feel for rough spots. From inside, use a flashlight to spot hairline cracks. Water stains or dampness around the frame are also warning signs.

Should I repair a small crack myself?

Small cracks can sometimes be sealed with a skylight repair kit, but it is often a temporary fix. If the crack is larger than a few inches or if water is leaking, professional repair is safer. A pro can determine if the entire skylight needs replacement.

Will my insurance cover hail damage to a skylight?

Coverage depends on your specific policy and the cause of damage. Many homeowners policies cover hail damage, but you should check with your insurance company. Document the damage with photos and contact them promptly to file a claim if you believe it is covered.

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