Texas storms don’t play nice—and neither should you. Before you dial your insurance company, follow these steps to protect your roof and your wallet.
1. Assess the Damage (But Don’t Risk Your Safety)
Hail damage isn’t always obvious. Here’s how to spot it safely:
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Check for dents on gutters, vents, or flashing.
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Look for cracked or missing shingles—granule loss is a red flag.
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Inspect soft spots on the roof (from the ground—never climb up in storm conditions!).
Pro Tip: Take timestamped photos—they’re crucial for insurance claims later.
2. Call a Trusted Roofing Pro—Before Your Insurer
Why? Because insurers often lowball estimates. A roofer can:
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Provide a free, no-pressure inspection.
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Document damage professionally (insurance companies listen to experts).
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Help you avoid claim denials with evidence-backed reports.
Warning: Avoid storm chasers! Stick with local, reputable companies like Hart Roofing.
3. Know What Your Policy Covers (The Fine Print Matters)
Most Texas homeowners don’t realize:
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Depreciation clauses can slash payouts for older roofs.
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“Acts of God” loopholes exist—review your policy now, not after hail hits.
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Deductibles apply—sometimes a repair is cheaper than filing a claim.
Smart Move: Ask your roofer to explain your policy—they’ve seen it all.
4. Avoid These Costly Mistakes
Homeowners waste thousands by:
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Waiting too long (hidden leaks worsen).
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Accepting the first insurance offer (negotiate with a roofer’s estimate).
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Hiring the cheapest contractor (you’ll pay for it later in repairs).
Fact: Insurance companies profit when you underclaim. Fight back.
5. Act Fast—But Stay Strategic
Hail damage claims have deadlines. Here’s your game plan:
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Inspect → Document → Call a Pro (in that order).
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File your claim after getting a roofer’s report.
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Let your roofer handle insurer meetings—they’ll advocate for you.
Final Word: A delayed response = more damage = higher costs. Move quick, but move smart.
Need a Hail Damage Expert? Hart Roofing Has Your Back
We’ll inspect your roof for FREE, help you navigate insurance, and ensure you get the strongest, storm-proof repair—no games, just results.
Phone : 713-281-2886 | Mail : info@hartroofingtx.com
