Hail Damage to Your Roof? What Texas Homeowners Should Do

Texas sees more damaging hail than just about anywhere in the country, and the Hill Country gets its share. After a big storm, knowing what to do — and what not to do — can save you thousands. Here’s a practical guide.

First, spot the damage safely

You don’t need to climb on the roof (please don’t). From the ground, look for:

• Dented gutters, downspouts, and metal flashing
• Dings on the AC condenser fins or other metal surfaces
• Granules from shingles collecting in gutters or at downspout outlets
• Cracked or bruised shingles visible from a ladder

If neighbors are getting roofs replaced, that’s a strong sign your area took a hit worth inspecting.

Understand your wind & hail deductible before you file

This is the part that catches Texas homeowners off guard. Most policies here carry a separate wind and hail deductible — usually a percentage of your dwelling amount (commonly 2% in 2026), not a flat dollar figure. On a $400,000 home, a 2% deductible means you pay the first $8,000 of the claim.

That matters because if your damage is borderline, the repair cost may be close to your deductible — and we can help you decide whether filing makes sense. Here’s a fuller explainer on the wind/hail deductible.

Replacement cost vs. actual cash value

How your policy pays for the roof is everything. Replacement cost pays to put on a new roof at today’s prices. Actual cash value subtracts depreciation — so an older roof might be paid out at a fraction of replacement. Know which you have before a storm; we’ll always tell you.

Be cautious with storm-chasing contractors

After every big hailstorm, out-of-town roofers flood the area. Some are great; some pressure you to sign before an adjuster has even seen the damage. Don’t sign over your claim to anyone, and call us before you commit — we’ll help you handle it the right way.

How we help

If your roof took a hit, call us at 830-387-4032 or start the conversation online. We’ll walk you through the inspection, the deductible math, and the claim itself — and make sure you get a fair outcome. New for 2026, Texas policies also include an appraisal provision to resolve disputes over claim amounts, and we’ll use it if we need to.

Review your home coverage or get a quote today.