Texas leads the US in hail damage claims. Filing one correctly can be the difference between a fully covered roof replacement and a denied claim.
Texas leads the US in hail damage claims. Filing one correctly can be the difference between a fully covered roof replacement and a denied claim.
Step 1 — Document Immediately
After a hailstorm, photograph hailstones with a coin or ruler for scale. Photograph any visible exterior damage to gutters, AC condenser fins, screens, and outdoor furniture.
Step 2 — Get a Pre-Adjuster Inspection
Schedule a free inspection with a reputable, GAF-certified or HAAG-certified roofing contractor BEFORE calling your insurance adjuster. They will document scope, take photos, and prepare a baseline scope of damage.
Step 3 — File the Claim
Call your insurance company's claims line. Note the claim number. The adjuster will schedule a property inspection within 7-14 days.
Step 4 — Be Present for the Adjuster Inspection
Your roofing contractor should attend the adjuster inspection on your behalf. This is when scope disputes happen — having a certified contractor on the ladder with the adjuster prevents 70% of common documentation gaps.
Step 5 — Review the Estimate
Insurance estimates often miss scope items (ridge vent replacement, decking, code-required upgrades). Your contractor reviews the carrier estimate and submits a supplement if needed.
Step 6 — Sign and Schedule
Once scope is agreed, sign a contract with your contractor. They handle ACV and depreciation paperwork with the carrier post-completion.