Storm & Hail Damage Repair in Keller, TX

Photograph everything from the ground (roof, siding, windows, gutters, HVAC condenser, fencing and vehicles) and note the date and time of the storm. Place buckets under active leaks and move furniture off wet carpet. Call for emergency tarping before the next rain band. Don't climb on a hail-struck roof; the granule loss makes it slippery and you can worsen the damage.

From the ground, look for granule accumulation in gutters and downspouts, dented gutters, dinged metal vents and flashing, and split or bruised shingles. Damaged soft metals such as HVAC condenser fins and window screens are the most reliable ground-level indicator that hail was large enough to damage shingles. A professional inspection confirms it; walking the roof yourself doesn't.

Hail and windstorm are covered perils on most Texas homeowners policies, though many carry a separate wind-and-hail deductible of one to two percent of the dwelling value rather than a flat amount. Cosmetic-damage exclusions and roof-payment schedules that pay actual cash value on older roofs are increasingly common in Texas, so the endorsement page matters as much as the declarations page.

Most Texas policies require prompt notice, and many now require the claim within one year of the storm. The two-year figure often quoted is the deadline to sue an insurer, not to report the claim. Waiting is still the wrong strategy: the longer you wait, the harder it becomes to separate storm damage from ordinary wear. The most common reason a hail claim is denied.

Emergency tarping runs $800 to $2,500. Interior water damage from a roof breach is typically $2,500 to $12,000. A full roof replacement in DFW runs $12,000 to $30,000, and a fallen-tree impact with structural framing repair commonly exceeds $25,000. On a covered claim you generally pay only your wind-and-hail deductible.

We tarp immediately, then handle the interior water damage, drying and reconstruction, and coordinate roof replacement as part of the same claim scope with a licensed roofing partner. Keeping it in one scope avoids the common situation where the roof gets replaced and the wet insulation and ceiling above the bedroom never do.

In Texas you have the right to choose your own contractor. A carrier's preferred vendor works within program pricing and volume agreements with the carrier; an independent contractor's obligation is to your scope. Either can do good work, but you're never required to accept the recommendation, and asking for a second scope costs nothing.

Be careful. After a major North Texas hail event, out-of-state crews arrive within days, and Texas law prohibits a contractor from waiving or rebating your insurance deductible. Ask for a local address, license and insurance certificate, consider whether they'll exist for a warranty claim in three years, and never sign a contingency contract you haven't read.

That's what a supplement is for. We document what the initial scope missed with photographs, moisture readings and measurements, and submit it to the carrier as a supplemental claim. Most disputes are resolved on documentation rather than argument. If it stalls, your policy's appraisal clause and the Texas Department of Insurance complaint process are the next steps.