North Texas sees some of the most frequent hail in the country, and roof claims are a normal part of owning a home here. The process is manageable once you know the steps.
1. Get an inspection before you file
Hail damage is often invisible from the ground. A free inspection with dated photos and test squares (a marked 10×10 ft area where hits are counted) tells you whether there's enough damage to justify a claim. Check your address for recent hail reports first.
2. Know your deadline
Many Texas homeowner policies require you to report damage promptly and set claim deadlines, commonly one to two years from the storm date. Check your policy's conditions section, and don't wait until a leak appears.
3. File the claim with your carrier
You file the claim, not the roofer. Have your policy number, the storm date (from your hail check), and your inspection photos ready.
4. The adjuster visit
Your carrier sends an adjuster to inspect the roof. Ask your roofer to attend. Pointing out every damaged slope, vent and flashing detail in person prevents items from being missed.
5. Understand the settlement
- Replacement cost value (RCV): the full cost to replace your roof today.
- Actual cash value (ACV): RCV minus depreciation for age and wear.
- Recoverable depreciation: on many RCV policies the carrier first pays ACV, then releases the withheld depreciation after the work is done and the final invoice is submitted.
- Deductible: your share, subtracted from the payment.
6. Supplements
If the adjuster's estimate misses required items, such as code-required drip edge, extra layers or decking, your roofer can submit a supplement with documentation. This is normal and legitimate when it reflects work actually required.
7. Mortgage company checks
If you have a mortgage, insurance checks are often made out to both you and your lender. Your lender may need to endorse the check or release funds in stages. Call them early.
Frequently asked questions
Will filing a claim raise my premium?
It can, depending on your carrier and claim history. Weather claims are often treated differently than other claims, but policies vary. Ask your agent before filing if you're concerned.
What if my claim is denied?
Ask the carrier for the reason in writing, request a re-inspection, and provide independent documentation such as dated photos and test-square counts. Your policy also describes appraisal options.