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Hail Damage to Windows: When to Repair vs. Replace

Last updated October 25, 2026

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The short answer

Assess the Damage First

Start by inspecting every window on the side of the home that faced the hail. Look for chips, cracks, shattered panes, and damage to the frame or seal. Also check the interior for water stains or dampness, which can indicate a broken seal.

Take photos of each damaged window. These images help document the condition for your records. If you have insurance, your policy details matter. Policies vary, and your insurer decides what is covered. Contact your insurance company to ask about coverage before making repairs.

Small chips under 1 inch.

Cracks that do not spread.

Shattered or missing glass.

Frame or seal damage.

Water leaks or drafts.

Broken hardware or locks.

When Repair Makes Sense

A small chip or crack that is less than an inch long and not in the center of the pane can often be repaired. The pros inject a clear resin into the damage, which bonds with the glass and restores strength. This works well for single-pane or tempered glass in good condition.

Repair is also a good option when the frame and seal are intact. If the damage is purely cosmetic, such as a tiny pit from a small hailstone, you might leave it as is. But any crack that spreads or blocks your view should be handled quickly.

Chip smaller than a quarter.

Crack under 1 inch and not spreading.

No water leaks or drafts.

Frame and seal still tight.

Glass is clear, not shattered.

When Replacement Is Necessary

Replace the window if the crack is longer than an inch, if the glass is shattered, or if the frame is bent or broken. A damaged seal lets in moisture, which can lead to rot and mold. In a humid subtropical climate with hot summers and spring hail and thunderstorms, a compromised window invites bigger problems.

Also replace if the window is double-pane and the inner pane is cracked, or if you see fogging between panes. That means the seal failed. Trying to repair a large crack often leaves a weak point that can fail again. New glass restores the strength and energy efficiency of your home.

Crack longer than 1 inch.

Frame bent, broken, or rotted.

Fogging between double panes.

Window no longer opens or closes properly.

Safety First During Cleanup

If a window is shattered, keep children and pets away from the area. Wear thick gloves and long sleeves when picking up glass. Use a vacuum to pick up small shards, then wipe the area with a damp paper towel to catch tiny pieces.

If you see water coming in, move valuables away and place a bucket or towel to catch drips. Act quickly to prevent water damage to walls and floors. For serious leaks, you might need to cover the window with plywood until a replacement is installed.

Wear gloves and closed-toe shoes.

Keep kids and pets away.

Vacuum and damp wipe the area.

Use plywood to cover large openings.

Move furniture and valuables to safety.

Get Professional Help for Big Jobs

For large cracks, shattered glass, or frame damage, you need the pros. Local water damage pros can assess the situation and recommend the right fix. They also handle any water damage that occurred before the window was secured.

If water already soaked into walls, floors, or ceilings, you may need additional services. A water damage inspection can reveal hidden moisture. For drywall or attic damage, separate services exist. Check your policy first, and ask your insurance company what they will cover.

Water damage inspection.

Drywall water damage repair.

Attic water damage repair.

Roof leak repair and mitigation.

Window replacement.

Need help right now?

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Frequently asked questions

Can I repair a cracked window myself?

Small chips under an inch can be filled with a DIY resin kit. But large cracks or shattered glass are unsafe and need the pros. A poor repair can lead to leaks and more damage. When in doubt, get a professional assessment.

How long do I have to fix a damaged window?

Act quickly, especially if rain is coming. Even a small crack can grow from temperature changes. If water gets in, mold can start within days. Cover the window with plastic or plywood to buy time, but replace soon to prevent further issues.

Will insurance cover window replacement after hail?

Policies vary, and your insurer decides what is covered. Hail damage is often covered under homeowners insurance, but deductibles and exclusions apply. Contact your insurance company to file a claim and ask about coverage. Check your policy for specifics.

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