How to File a Hail Damage Insurance Claim in Texas

If your Texas home was damaged by hail, you're likely covered by your homeowner's insurance. But navigating the claims process can be confusing, and mistakes can cost you thousands in denied coverage. This comprehensive guide walks you through every step of filing a successful hail damage insurance claim in Texas.

Understanding Hail Damage Coverage in Texas

Most Texas homeowner insurance policies include hail damage coverage as part of your wind and hail deductible. Unlike comprehensive policies in other states, Texas insurance often uses a percentage-based deductible (typically 1-5% of your home's insured value) specifically for wind and hail claims.

What Texas Insurance Typically Covers:

• Roof replacement: If hail damage exceeds insurance thresholds (usually 8-10 impacts per 100 sq ft), full replacement is typically approved
• Shingles and underlayment: Complete tear-off and new materials
• Flashing and accessories: Damaged vents, pipe boots, and flashing components
• Gutters and downspouts: If damaged by same hail event
• Siding and windows: Often covered under the same claim if visibly damaged
• Interior water damage: If leaks resulted from hail damage

What's Typically NOT Covered:

• Pre-existing roof damage or normal wear and tear
• Gradual deterioration or improper maintenance
• Cosmetic damage that doesn't affect roof function
• Your deductible amount
• Upgrades beyond original roof specifications (unless you pay the difference)

Step-by-Step: Filing Your Hail Damage Claim

Step 1: Document the Hail Event

The first step happens immediately after a hail storm. You need to establish that hail occurred at your property:

• Take photos/videos: Capture any visible damage immediately—dented vents, damaged gutters, hail on the ground
• Note the date and time: Record when the storm occurred
• Check local weather reports: Screenshot or save National Weather Service reports showing hail in your area
• Look for ground markers: Dents in metal mailboxes, AC units, or vehicles help prove hail occurred

Step 2: Conduct a Preliminary Inspection

Do NOT climb on your roof. Instead, look for visible signs from the ground:

• Damaged or dented roof vents
• Dents in gutters or downspouts
• Granules in gutters or at downspout exits
• Visible damage to shingles from ground level
• Damaged siding, windows, or outdoor structures

Step 3: Contact Your Insurance Company

Once you've confirmed damage, contact your insurance company to start the claim:

• Call your agent or carrier directly: Have your policy number ready
• Report the claim: Provide the date of loss and description of damage
• Get a claim number: Write this down—you'll need it for all future communications
• Ask about your deductible: Confirm your wind/hail deductible amount and how it's calculated
• Request adjuster visit: They'll schedule an inspection, typically within 7-14 days

Step 4: Get a Professional Roofing Inspection

This is critical: Before the insurance adjuster visits, have a professional roofing contractor inspect your roof. Here's why:

• Roofers spot damage adjusters might miss
• Professional documentation strengthens your claim
• Having a contractor present during adjuster visit ensures nothing is overlooked
• Roofers speak the adjuster's language and know what evidence is needed

A good roofing contractor will:

• Conduct a thorough inspection (roof, gutters, vents, flashing)
• Take detailed photos and measurements
• Prepare a damage report with aerial drone photography
• Identify all damaged components (not just obvious damage)
• Provide a detailed estimate for repairs or replacement

Step 5: Meet with the Insurance Adjuster

When the adjuster arrives to inspect your property:

• Be present: Walk through the inspection with them
• Bring your roofing contractor: Having a professional present significantly improves claim outcomes
• Show all damage: Don't assume they'll find everything—point out all issues
• Ask questions: If they say something isn't covered, ask why and get specifics
• Take notes: Record what the adjuster inspects and their comments
• Request a copy of their report: You're entitled to see their findings

Step 6: Review the Adjuster's Report

After the inspection, you'll receive an adjuster's report and estimate. Review it carefully:

• Check square footage: Verify it matches your actual roof size
• Review line items: Ensure all damaged components are included
• Compare to contractor estimate: Significant differences may indicate issues
• Look for depreciation: Some policies pay actual cash value (ACV) initially, then depreciation after repairs
• Verify material quality: Ensure they're approving materials equivalent to what you currently have

Step 7: Accept, Negotiate, or Appeal

Once you've reviewed the report, you have three options:

Option 1: Accept the Claim

If the coverage is fair and adequate:

• Sign and return any required paperwork
• You'll typically receive an initial check (minus deductible)
• Schedule repairs with your chosen contractor
• After completion, submit final paperwork for any holdback/depreciation

Option 2: Negotiate

If the estimate seems low but the claim wasn't denied:

• Provide additional documentation from your contractor
• Request a re-inspection if damage was missed
• Get a second opinion from another contractor to support your position
• Most insurance companies will negotiate reasonable differences

Option 3: Appeal a Denial

If your claim was denied or grossly underpaid:

• Request a written explanation: Insurance must provide specific reasons for denial
• File a formal appeal: Most carriers have internal appeals processes
• Get a second adjuster: Request a different adjuster re-inspect
• Hire a public adjuster: They work for YOU (not the insurance company) and typically take 10-15% of the settlement
• Consult an attorney: For significant disputes, insurance attorneys work on contingency (no upfront cost)

Common Mistakes That Can Hurt Your Claim

1. Waiting Too Long to File

While Texas gives you up to 2 years, waiting causes problems:

• Additional storms make it hard to prove which damage came from which event
• Minor damage worsens over time (insurance may argue it's now "wear and tear")
• The sooner you file, the sooner you get your new roof

2. Making Temporary Repairs Without Photos

If you make emergency repairs (tarping, etc.) before filing, insurance may argue the damage wasn't severe. Always photograph BEFORE making any repairs.

3. Not Getting a Professional Inspection

Many homeowners accept low insurance estimates because they don't realize damage was missed. A professional roofing contractor often finds 20-30% more damage than adjusters initially identify.

4. Accepting the First Offer Without Review

Insurance companies hope you'll accept their initial offer. Don't sign anything until you've had your contractor review it. Once you accept and sign, re-negotiation becomes very difficult.

5. Not Documenting Everything

Keep records of:

• All photos and videos
• All correspondence with insurance (emails, letters, claim notes)
• Contractor estimates and reports
• Weather reports proving hail occurrence
• Any temporary repair receipts

How Much Will Your Insurance Pay?

Texas hail damage claims typically cover full roof replacement when damage exceeds thresholds (usually 8-10 hail impacts per 100 sq ft section). Here's how payment typically works:

Payment Structure:

1. Initial Payment: Insurance pays Actual Cash Value (ACV) minus your deductible
2. Depreciation Holdback: Some carriers hold back depreciation (5-25% of claim value)
3. Final Payment: After repairs are complete, you submit invoices and receive the holdback

Example Claim Breakdown:

Texas-Specific Insurance Claim Considerations

Wind & Hail Deductible

Most Texas policies use a percentage-based deductible for wind and hail (typically 1-5% of dwelling coverage). This means:

• Home insured for $200,000 with 2% deductible = $4,000 out-of-pocket
• Home insured for $300,000 with 1% deductible = $3,000 out-of-pocket

This is separate from your standard deductible ($1,000-$2,500) which applies to other claims.

Texas "Anti-Steering" Laws

Texas law prohibits insurance companies from:

• Requiring you to use a specific contractor
• Penalizing you for choosing your own contractor
• Paying less if you don't use their "preferred" contractor

You have the right to choose your roofing contractor—don't let insurance pressure you otherwise.

Texas Fair Claims Settlement Laws

Texas Insurance Code requires carriers to:

• Acknowledge claims within 15 days
• Approve or deny within 15 business days of receiving all documentation
• Pay approved claims within 5 business days
• Provide written explanations for denials

Working with a Roofing Contractor During Your Claim

Choosing the right roofing contractor for your hail damage claim is critical. Here's what to look for:

What a Good Contractor Should Provide:

• FREE comprehensive inspection
• Detailed damage documentation with photos
• Written estimate matching insurance company format
• Willingness to meet with insurance adjuster
• Experience with insurance claims (ask how many they've done)
• Local company (avoid storm chasers who disappear after storms)
• Proper licensing and insurance
• Manufacturer certifications

Red Flags to Avoid:

• Contractors who offer to "waive your deductible" (this is illegal)
• Anyone asking for full payment upfront
• Storm chasers with out-of-state plates and no local office
• Pressure to sign immediately
• Anyone who guarantees your claim will be approved

Frequently Asked Questions

Will filing a hail damage claim raise my insurance rates?

Weather-related claims (hail, wind, tornadoes) typically don't raise your rates the same way at-fault claims do. However, policies vary—ask your agent directly. What we know: failing to repair hail damage and then having a leak can lead to much larger claims later, which WILL affect your rates.

Can I get my roof replaced if it's old?

Yes, as long as it was damaged by hail. Age doesn't disqualify you from coverage. However, older roofs may have depreciation applied, reducing your payout. Most policies cover "like kind and quality" replacement—meaning if you had architectural shingles, you get architectural shingles (not cheap 3-tab).

What if I disagree with the insurance estimate?

You have options: (1) Request a re-inspection, (2) Provide additional contractor documentation, (3) Hire a public adjuster to negotiate on your behalf, (4) File a formal complaint with the Texas Department of Insurance. Don't just accept an unfair estimate—insurance companies expect some negotiation.

How long does the claim process take?

From filing to check in hand typically takes 2-4 weeks. From claim approval to new roof completion adds another 2-4 weeks depending on contractor scheduling and weather. Total timeline: 4-8 weeks from filing to finished roof.

Should I make temporary repairs before filing?

Yes, if there's active leaking—you have a duty to mitigate damage. But photograph EVERYTHING before making repairs. Cover holes with tarps, catch water with buckets, but don't do permanent repairs until the adjuster has inspected. Keep receipts for temporary repairs—these are often reimbursable.

Next Steps

If you suspect hail damage to your West Texas property:

1. Document visible damage with photos and videos
2. Schedule a free professional inspection
3. Contact your insurance company to start the claim
4. Have a roofing contractor present when the adjuster visits
5. Review all estimates carefully before accepting