The Complete Guide to Hail Damage: How to Spot It and What to Do Next
Central Texas gets hit by major hail storms 3-5 times per year. Learn from HAAG-certified roofers how to identify hidden damage, file successful insurance claims, and protect your home's biggest investment.
What You'll Learn
Central Texas homeowners, you're not alone. Every year, 3-5 major hail events sweep through Austin, Round Rock, Georgetown, and surrounding areas. The problem? Most homeowners don't realize their roof has hail damage until it's too late.
As HAAG-certified roofing inspectors, we've inspected thousands of roofs after Central Texas hail storms. Here's what we know: 73% of homeowners don't know they have hail damage until someone tells them.
How to Spot Hail Damage (The Hidden Signs)
Hail damage is invisible to untrained eyes. Here's what we look for during our 47-point inspections:
Granule Loss
Asphalt shingles have a protective layer of granules. Hail impacts strip these away, exposing the shingle to UV damage. This reduces roof lifespan by 50%.
Bruised Shingles
Impact creates micro-cracks that worsen with temperature changes. These "bruises" lead to leaks within 6-12 months if not addressed.
Damaged Flashing
Hail dents and bends metal flashing around vents, skylights, and chimneys. This creates gaps where water can seep into your home.
Dented Gutters
Impact damages drainage systems, causing water backup and foundation damage. This affects your entire home, not just the roof.
The Insurance Claim Process: Step-by-Step
Texas law gives you 1 year to file hail damage claims, but timing matters. Here's the process we guide our clients through:
Document Everything Immediately
Take photos of your roof, yard, and any visible damage. Note the date, time, and hail size if known.
Get a Professional Inspection
Don't rely on insurance adjusters alone. Get your own HAAG-certified inspection for complete documentation.
File Your Claim
Submit your claim within 1 year. Include all documentation, photos, and professional inspection reports.
Present During Adjuster Visit
Be present when the insurance adjuster inspects. Point out damage they might miss. We attend these with our clients.
What Does Hail Damage Repair Cost?
Costs vary based on damage extent, but here's what Central Texas homeowners typically face:
| Damage Type | Average Cost | Insurance Coverage |
|---|---|---|
| Minor Granule Loss | $500 - $1,500 | Usually Covered |
| Shingle Replacement (Partial) | $2,000 - $5,000 | Covered |
| Complete Roof Replacement | $8,000 - $15,000 | Covered (with proper documentation) |
| Gutters & Downspouts | $800 - $2,000 | Often Covered |
| Siding & Trim Repair | $1,500 - $4,000 | Covered |
5 Common Insurance Claim Mistakes (And How to Avoid Them)
Mistake #1: Waiting Too Long
The Problem: Homeowners who wait more than 6 months have a 40% higher denial rate. Damage worsens over time, making it harder to prove storm causation.
The Solution: Act within 2-4 weeks. Document everything immediately after the storm.
Mistake #2: No Professional Inspection
The Problem: Insurance adjusters work for the insurance company. They might miss damage or downplay severity.
The Solution: Get your own HAAG-certified inspection. This gives you independent documentation.
Mistake #3: Not Being Present During Inspection
The Problem: Adjusters inspect alone and might miss damage. You can't advocate for yourself if you're not there.
The Solution: Always be present. Point out damage. Bring your professional inspection report.
Get Your Free 47-Point Hail Damage Inspection
Don't risk missing hidden hail damage. Our HAAG-certified inspectors will thoroughly examine your roof and provide a detailed report you can use for insurance claims.
No obligation • HAAG-certified inspectors • Detailed documentation • Insurance claim support
Central Texas hail storms cause millions in damage every year, but most homeowners never recover what they're owed because they don't know how to navigate the process.
At Hive Roofing & Solar, we don't just fix roofs - we help you get every dollar you're entitled to from insurance. Our HAAG certification means we know exactly what adjusters look for, and we document everything properly the first time.
Ready to protect your home's biggest investment? Get your free inspection today.