Everything You Need to Know About Hail & Wind Damage Roof Claims

When Texas storms strike, they often bring powerful winds and damaging hail that can wreak havoc on your roof. Whether you see shingles scattered across your lawn or subtle dents in your gutters, hail and wind damage shouldn't be taken lightly. Navigating a roof insurance claim can be intimidating, especially if it's your first time. This guide walks you through every step of the process so you can protect your home, file confidently, and work with the right team to restore your roof the right way.

1. What Is Considered Hail and Wind Damage?

Not all storm damage is obvious. Here’s what to look for:

Hail Damage:

• Circular impact marks on shingles
  
  
• Granule loss exposing the asphalt layer
  
  
• Dents in flashing, vents, gutters, and soft metal components
  
  
• Cracked or bruised shingles
  
  

Wind Damage:

• Lifted, curled, or missing shingles
  
  
• Misaligned flashing and ridge caps
  
  
• Dislodged or leaking roof components
  
  
• Interior leaks or water stains in attic/ceilings
  
  

Left untreated, even small issues can lead to major leaks or void your manufacturer’s warranty. That's why a free roof inspection is your first line of defense.

2. Does My Home Insurance Cover Storm Damage?

Most homeowner policies in Texas include wind and hail as covered perils. But how your insurer pays out depends on your policy type:

• Replacement Cost Value (RCV): Pays to replace your roof in full (minus your deductible)
  
  
• Actual Cash Value (ACV): Pays based on depreciation, often resulting in less money for repairs
  
  

Also, many policies distinguish between functional damage (which affects performance) and cosmetic damage (which does not). Understanding your policy coverage can help you avoid claim denial.

For more info, see Insurance Claim Assistance.

3. Step-by-Step: Filing a Roof Insurance Claim in Texas

1. Inspect the Damage
   
   
   
   • Start with photos and videos.
     
     
   • Include collateral damage (yard items, cars, siding, windows).
     
     
2. Schedule a Professional Inspection
   
   
   
   • K&M Roofing offers free storm inspections and detailed reports to support your claim.
     
     
3. Contact Your Insurance Company
   
   
   
   • File the claim as soon as possible. Most Texas policies allow 1–2 years, but acting quickly prevents complications.
     
     
4. Meet the Adjuster
   
   
   
   • Your insurer will send an adjuster to inspect the damage. Having your roofing contractor present ensures fair evaluation.
     
     
5. Review and Negotiate
   
   
   
   • If the payout is low, your contractor can supplement the claim with proper documentation.
     
     

Learn more on our Roof Inspections and Storm Damage Restoration pages.

4. What to Do If Your Claim Gets Denied

Unfortunately, not all claims are approved. Here’s how to respond:

• Review Your Policy: Ensure the denial reason is valid.
  
  
• Appeal: Submit photos, reports, and a written request for reconsideration.
  
  
• Hire a Public Adjuster: They can negotiate on your behalf.
  
  
• Consider Legal Support: For unjust denials, a legal route may be your only option.
  
  

Don't give up without a fight. A second opinion from a trusted roofer can make all the difference.

5. Risks of Ignoring Denied or Delayed Claims

Even a denied claim becomes part of your property’s insurance history. It may:

• Appear in your CLUE report (affecting future insurability)
  
  
• Be used as a reason to deny future claims
  
  
• Increase your premiums or reduce roof coverage
  
  

Ignoring damage also risks further deterioration, higher repair costs, and moisture intrusion. Act quickly and document everything.

6. Common Mistakes to Avoid

• Waiting too long to act
  
  
• Failing to document damage thoroughly
  
  
• Letting only the insurer’s adjuster assess the roof
  
  
• Hiring unlicensed or out-of-town contractors
  
  

Trust a local, credentialed roofer like K&M Roofing to guide you through the process. We’ve earned the trust of hundreds of North Texas homeowners—see our customer reviews.

7. Choosing the Right Contractor for Storm Repairs

A storm brings out many opportunistic contractors. Here's how to choose wisely:

• Local License and Insurance
  
  
• Experience with Insurance Claims
  
  
• Warrantied Workmanship
  
  
• Verified References
  
  

K&M Roofing services towns throughout North Texas including Anna, Denison, and Bonham. We don’t chase storms—we serve our community.

8. How to Protect Your Roof Before the Next Storm

Being proactive can reduce the chance of costly damage. Here are tips to storm-proof your roof:

• Schedule Annual Roof Inspections: Catch minor wear and tear before a storm makes it worse.
  
  
• Secure Loose Shingles and Flashing: Reinforce vulnerable areas with professional repairs.
  
  
• Clean Gutters and Downspouts: Prevent water buildup and ice damming during heavy storms.
  
  
• Trim Nearby Trees: Falling limbs are a leading cause of roof punctures during wind events.
  
  
• Review Your Insurance Policy Annually: Know what’s covered and update it if needed.
  
  

K&M Roofing offers roof inspections and maintenance support to keep your home protected year-round.

9. Frequently Asked Questions

How long do I have to file a hail claim in Texas?
Usually 1–2 years, but don’t wait—your claim is strongest with fresh evidence.

Can I choose my own roofer?
Yes. You're not obligated to use your insurance company’s preferred contractor.

Will my premium increase?
Storm claims typically don’t impact premiums individually, but multiple claims can.

What if I already have an old roof?
You can still file if the storm caused new, functional damage.

Find more answers on our FAQ page.

10. Why K&M Roofing is Your Storm Damage Expert

With decades of experience in residential roofing, commercial roofing, and insurance restoration, we are your strongest ally during the roof claim process.

• Free, no-pressure roof inspections
  
  
• Honest, thorough damage documentation
  
  
• Insurance claim support from start to finish
  
  
• Serving dozens of Texas towns with integrity and care
  
  

Conclusion: Don’t Let Storm Damage Disrupt Your Life

A damaged roof doesn’t have to be a disaster. With the right information—and the right team—you can navigate the hail and wind claim process with confidence.

👉 Schedule your free inspection today and let K&M Roofing help restore your peace of mind.

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