Hail Damage in Texas?

Texas Hail Claims, Documented Rather Than Argued.

Texas leads the country in hail and it is not close. The Insurance Information Institute counted 902 major hail events here in 2025, against 375 in Illinois in second place. Volume is not what loses a claim. Hail claims are denied on three predictable grounds, and every one of them is answerable with evidence gathered before an insurance adjuster ever climbs the roof.

Licensed Texas public adjusters, working claims statewide from our Dallas office
Cosmetic damage denials on metal and tile roofs, answered with evidence
No upfront costs. We are paid from the recovery, or not at all

Call Our Texas Team: (713) 487-5167

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Your claim. Your adjuster. Your outcome.

Insurance companies have a team working to minimize what they pay you. You deserve the same expertise on your side.

Five Star's public adjusters document a hail loss the way it has to be argued: impact by impact, slope by slope, with the policy language that decides what is owed read before anything is filed. Serving homeowners across Texas.

Types of Claims We Handle

Four things decide a Texas hail claim, and whether your roof was hit is not one of them. That part is rarely in dispute. What is owed afterwards turns on the policy, the deductible and the quality of the documentation.

The Cosmetic Damage Exclusion

Insurers classify hail bruising on metal and tile as cosmetic, arguing the roof still sheds water so nothing is owed. Whether that holds depends on your policy wording and on the granule loss, mat fractures and seam separation underneath. We document all three before anyone calls it cosmetic.

Your Deductible Is a Percentage

Most Texas policies set the wind and hail deductible as a percentage of the dwelling limit rather than a flat sum. On a 400,000 dollar home, two percent is 8,000 dollars absorbed before the carrier pays anything, which is how an underscoped estimate turns a real loss into no recovery at all.

Actual Cash Value and Roof Depreciation

Since 1 July 2026 Fannie Mae and Freddie Mac no longer require replacement cost roof coverage on the mortgages they back, so more Texas roofs will settle at actual cash value with depreciation taken off. Knowing which basis your policy uses before you file changes what you should be asking for.

Storms That Arrive Twice

The 2026 spring season put repeat hail on the same neighbourhoods within weeks, and shingles weakened by the first storm fail more easily in the second. Carriers will attribute the damage to whichever event is out of time to claim. Sequence matters, so we establish it.

Proving a Texas Hail Claim: Inspections, Evidence and Deadlines

Whether a hail claim is paid in full usually comes down to evidence. The insurer's adjuster or engineer will inspect the roof with a method of their own, and the claim is decided on what that inspection finds. Knowing how hail damage is measured is the best protection against a claim scoped smaller than the storm.

How insurers measure hail damage

Most roof inspections use test squares: a 10 by 10 foot area marked on each slope, with the hail impacts inside it counted. Many carriers treat a slope as damaged only when the count passes a threshold, often around 8 to 10 hits per square, and pay for the slopes that pass. That makes it essential that every slope is tested, including the ones facing away from the storm, and that the squares are representative rather than placed on the least damaged sections.

Collateral damage tells the story

Soft metals record hail better than shingles do. Dents in gutters, downspouts, roof vents, flashing, air conditioner fins and window screens show the size and direction of the hail and help tie the damage to a specific storm. Photograph them with a coin or tape measure for scale before anything is repaired. In general, hail around one inch across and larger is what starts to damage asphalt shingles, and larger stones do more.

Proving the date of the storm

Insurers often argue that roof damage is old or came from a storm outside the policy period. Storm records answer that. The National Weather Service and NOAA's Storm Events Database log hail reports by date and location, and private hail mapping services estimate hail size at a specific address. A date of loss backed by those records, together with photos taken soon after the storm, is far harder to dispute.

Texas deadlines that matter

Many Texas homeowners policies set a deadline for reporting wind and hail damage, commonly one year from the storm, so check yours and report promptly. Once a claim is reported, Texas prompt payment rules give the insurer set times to acknowledge it, decide it and pay it. And under Chapter 542A of the Texas Insurance Code, a homeowner who intends to sue over a weather related claim, including hail, must generally give the insurer written notice at least 61 days before filing suit.

Class 4 roofs

Shingles rated Class 4 under the UL 2218 impact standard resist hail better, and many Texas insurers offer a premium discount for them. If your roof is being replaced after a hail claim, ask your insurer what the upgrade would save you, and ask your contractor for the rating in writing.

Questions we hear in Texas

How long do I have to file a hail claim in Texas?

It depends on your policy. Many Texas policies require wind and hail damage to be reported within a set time, commonly one year from the date of the storm. Check your policy, and report as soon as you find damage, because evidence is easier to gather while the storm is recent.

What size hail damages a roof?

Hail about one inch across and larger is generally what starts to damage asphalt shingles, though older roofs can be damaged by smaller stones and wind can make impacts worse. Dents in gutters, vents and AC fins are a good sign that hail was large enough to matter.

Do you have an office in my area?

Our Texas office is in Dallas at 1999 Bryan Street, Suite 900. Our licensed Texas adjusters handle hail claims across the state. Call the Texas team on (713) 487-5167.

What does a public adjuster cost for a hail claim?

Nothing upfront. We are paid a percentage of what the insurer pays on your claim, and only if we recover money for you. Texas law caps a public adjuster's fee at 10% of the claim settlement.