Missoula struck by golf ball-sized hail on May 28, 2026, measuring 1.75 inches in diameter.
The hail strike occurred approximately 14 miles southwest of downtown Missoula.
Damage assessment
Golf ball-sized hail at 1.75 inches poses significant risk to architectural asphalt shingles, the dominant roofing material in Missoula. This magnitude typically causes functional damage including granule loss, exposed mat, and potential penetration on roofs over 10-15 years old. Newer roofs may experience primarily cosmetic damage, while older installations face higher likelihood of water infiltration issues. Class 4 impact-resistant shingles would substantially reduce damage potential at this hail size.
With a $7,000 deductible on the median $350,000 home, repair costs of $5,769 fall below the deductible threshold. Filing a claim would not provide financial benefit unless additional damage pushes total repairs above $7,000. Property owners have substantial time remaining under Montana's four-year contract limitations period to assess damage and file if necessary.
Montana provides a four-year statute of limitations for insurance contract disputes, allowing substantial time from May 28, 2026 to pursue claims.
Repair costs fall below your deductible — you will likely pay out of pocket regardless of filing. Focus on getting competitive estimates from licensed contractors rather than rushing a claim.
This storm may have damaged your roof — get a free Missoula inspection
Missoula repair cost reference
Historical context
This event ranks #3 of 25 recorded hail events in the past decade for Missoula County. The county record remains 2.5 inches set on July 8, 2022. May historically sees no significant hail activity in this region, making this an unusually early seasonal event.
Storm system
This appears to have been an isolated hail event, with no other tracked counties reporting significant hail activity on the same day.
Contractor guidance
Current contractor backlog runs 2-4 weeks with moderate storm chaser activity expected following regional hail events. Montana law does not explicitly prohibit deductible waiver offers, but such arrangements may constitute insurance fraud or contract violations. Verify contractor licensing, obtain multiple estimates, and consult with your insurer before engaging anyone offering deductible forgiveness. Standard contractor registration requirements apply for work exceeding permit thresholds.
Permits & building code
At 1.75 inches, repair rather than replacement is most likely for affected properties. Permits ranging $150-$350 may be required depending on scope of work. Given the 10-20% insurance discount available for Class 4 shingles, upgrading during repairs could provide long-term value in this moderate hail risk area.
- 1Document all exterior damage with photos before temporary repairs
- 2Contact insurance company to report damage and discuss deductible implications
- 3Obtain multiple contractor estimates and verify licensing before signing contracts
- 4Review policy terms regarding Class 4 shingle upgrade discounts
- 5Monitor for interior water damage over the coming weeks
This storm may have damaged your roof — get a free Missoula inspection
Event confirmed by NOAA NEXRAD radar data pending full National Weather Service assessment.