Storm damage and insurance claims
Hail hit the house.Now what?
North Texas gets hail every year, and most of the damage it does is invisible from the ground. The homeowners who get paid fairly are the ones with photographs, measurements and a written report before the adjuster arrives — not after.
- Free inspection, whatever we find
- A written report with photographs, yours to keep
- No obligation attached to any of it
Licensed and insured — ask for the certificate
Order of operations
Do these in this order
The order matters more than most people expect. A claim filed before anyone has documented the damage is a claim you are arguing about later.
- 01
Get the roof looked at first
Before you call the carrier. An inspection tells you whether there is real, claimable damage — because a denied claim still sits on your history, and a claim for damage that is not there helps nobody.
- 02
Get it documented
Photographs of every slope, the soft metals, the screens, the fence and the gutters. Dated. That file is what the conversation with the adjuster is actually about.
- 03
File with your carrier
You file the claim — it is your policy. We give you the documentation, the date of loss if it is identifiable, and the scope language adjusters expect to see.
- 04
Meet the adjuster on the roof
We are there when they inspect, with our own report in hand. Two people looking at the same slope disagree far less often than two reports written a week apart.
- 05
Build to the approved scope
Once it is approved we schedule the work, build to the scope, and give you the invoice and photographs your carrier needs to release the balance.
When to get it looked at
Six reasons to have the roof inspected
If any of these describes you, do not sit on it. A roof problem caught early is a repair. The same problem caught after water has been inside is a replacement, and often a claim.
Straight after hail or a wind event
North Texas hail seasons are hard on roofs and the damage is rarely visible from the street. A roof that looks untouched from the driveway can have crushed mat and stripped granules across every slope that faced the storm.
Roofs going up around the street
If the houses either side of you are being reroofed after a storm, yours took the same hail. Carriers work to a reporting window, and finding out after it has closed is the expensive way to learn this.
Buying or selling
A roof finding kills contracts and drags appraisals down. Knowing the condition before you list lets you price it deliberately — or negotiate from evidence instead of from a guess.
Past 7 years old
Most DFW shingle roofs are built for 20–30 years, but heat, UV and hail age them faster than the label allows for. After 7 years, a look every couple of years is sensible.
You are filing a claim
Adjusters miss things, and they are working fast across a lot of houses. Your own documented inspection, before or alongside the claim, is the difference between a discussion and an argument.
Something is off and you cannot name it
Granules collecting in the gutter. A ring on a ceiling. Flashing that has lifted. A cooling bill that jumped for no reason you can find. Each of those is the roof asking for attention.
What is covered
What we actually look at
Every inspection covers the whole roofing system, from the ridge to the ground it drains onto, and finishes with a written report you keep.
The roof itself
- Shingles, flashing and the underlayment beneath them
- Ridge caps, valleys and the soft metals
- Gutters, fascia and soffit
- Ventilation, and whether the attic is breathing
- Every penetration — vents, the chimney, skylights
The written report
- Photographs of everything we found, dated
- Each item rated urgent, worth watching, or fine
- A repair-versus-replace cost range
- What to expect if you take it to your carrier
- Yours to keep, whether or not you ever use us
Read this part twice
The honest part
Storm season brings people to your door who will promise you anything. Here is what we will not promise.
- We cannot promise your claim gets approved. Nobody who tells you otherwise has read your policy.
- We are not public adjusters and we do not negotiate your settlement for you. We document the condition of your property and we build what gets approved.
- Your deductible is yours to pay. Any contractor offering to absorb it is proposing something you do not want your name attached to.
- If we look at your roof and there is no storm damage, we will tell you that and leave. That is the whole value of getting it inspected.
What the inspection itself covers
- The inspection is free, and nothing is attached to it.
- We photograph the damage and write it up for your claim.
- Storm damage to a roof is usually covered by a homeowner’s policy.
- Most inspections happen within 48 hours of your call.
- It takes about an hour, and we work around your day.
- Every finding rated: urgent, worth watching, or fine.
- Guidance on what your carrier will want to see.
- Available across the DFW Metroplex.
- You keep the report either way.
What we get asked after a storm
Storm and claim questions
- How many days will my house be a building site?
- Most houses are stripped and reroofed in 1–2 days. A large or complicated roof can run to 2–3 days. We clean the property at the end of every day we are on it, not just at the end of the job.
- Do you deal with the insurance company for me?
- We document the damage, put the report together, and meet your adjuster on the roof so you are not translating between two trades. What we are not is a public adjuster — we do not negotiate your settlement, and we will tell you that rather than imply otherwise.
- What do you actually install?
- Asphalt shingle, including impact-resistant grades, and metal. At the estimate we tell you which one suits your roof, your budget and your policy, and we will talk you out of an upgrade that does nothing for your house.
- Do I need a whole new roof, or can this be repaired?
- It comes down to the age of the roof, how much of it is affected, and whether a repair buys enough years to be worth doing. If a repair is the right answer you will hear it from us, in writing, with the reasoning.
- What happens to the yard and the gutters during a tear-off?
- Beds get tarped, the dump trailer goes where it will not crack your drive, and we run a magnet over the grass and the street before we leave. Gutters take a beating in a tear-off — if yours are already failing, replacing them in the same visit costs less than booking it as a separate job.
Roofing is what we do
The people on your roof do this every week, on North Texas houses, in North Texas weather. They know where these roofs fail because that is the roof they work on.
Storm damage specifically
Hail bruising, wind creasing and impact marks are their own skill to read. We document them the way a carrier expects to see them documented.
A document, not a sales call
Photographs, a severity rating against each finding, and a cost range. You can hand it to somebody else and it still means something.
No obligation, at all
You keep the report whether you hire us or not. If the roof is fine, we tell you it is fine and we go.
Across the Metroplex
We cover DFW and the communities around it, and we will say plainly if your address is outside what we can schedule properly.
One contractor for what comes next
If the report says work is needed, the same company can do it — roof, gutters, and any window damage the same storm caused — on one contract.
Do not wait for the ceiling to tell you.
Damage found early is a repair measured in hundreds. The same damage found after water has been sitting in the decking runs into tens of thousands. The inspection takes about an hour and costs you nothing.
Call us
(469) 415-7685