Hail Damage Roof RepairBy Metro In Texas

Hail days are preliminary Storm Prediction Center reports through October 17, 2026, file built October 19, 2026. Insurer losses are the Texas Department of Insurance 2025 county file, built October 10, 2026. Outside pages were opened October 20, 2026.

How Much Hail And Insurer Loss Does Each Texas Metro Show?

The table has one row for each metro the site covers. The 1 inch threshold is the National Weather Service's own line for a severe thunderstorm, as its thunderstorm safety page states. The first figure counts days, not reports: a day counts once if hail of 1 inch or larger was reported anywhere in the metro's counties, for the full years 2021 to 2025. The second counts the days with a stone of 1.75 inches or larger, a size band the Storm Prediction Center file reports separately. The third is what insurers paid for wind and hail damage per homeowners policy in the metro's home county.

Sources: NOAA Storm Prediction Center storm reports, counted by Census metro counties, preliminary until the National Weather Service review reaches the NCEI record; Texas Department of Insurance homeowners losses by county, a reviewed annual file. Dollars per policy, before any deductible.

How Should I Read The Hail Days And The Loss Figure Together?

Read them as two weak signals about a region, not as a score for your street. A metro that spans many counties collects more hail days than one that spans few, simply because more ground sits under the same sky, so the day counts compare regions of different size. The loss figure is an average over every policy in one county. A county with a few large claims and many untouched roofs can show the same average as a county where every roof lost a few shingles.

Where both figures are high, a door-knocking roofer has a plausible story, which is the reason to slow down. Where both are low, a homeowner still may have a damaged roof, because hail falls in narrow swaths and one street can take stones that the next street misses. The metro hail history pages linked in the last column list the dated days behind each count.

What Does A Roof Inspection After Hail Actually Cover?

An inspection answers one question: did hail leave marks that the roof cannot shrug off? Start with the soft metal, because it records a strike clearly. Dents in gutters, downspouts, flashing and the fins of an outdoor air conditioner show that stones fell at your address. Then the surface. Hail damage on asphalt shingles tends to look like a randomly scattered bruise or a spot where the granules are gone and the mat shows, while wear shows up as even loss along edges and slopes facing the sun.

Take your own dated photographs before anyone climbs up. A contractor's inspection should hand back a written scope with its own photographs, and an insurer's adjuster will write a separate one. Two sets of documents that disagree are normal. They are also the reason to keep every page, so you can ask what explains the gap.

The National Roofing Contractors Association's storm damage caution, read October 25, 2026, says an inspection should be done from ground level, that a roof a storm passed over should be inspected whatever it looks like, and that a homeowner should keep a healthy skepticism about a bid that sits far below the others. A study of hail dents in coated steel panels in the International Institute of Building Enclosure Consultants publication, read November 1, 2026, defines functional damage as damage that reduces the roof assembly's ability to shed water, and treats dents that have not split, fractured or punctured the metal as cosmetic.

What Are The Claim Steps After Hail Damage?

Keep the order, because each step supports the next one. The sequence follows the Texas Department of Insurance guide, Insurance and your roof, last updated April 1, 2026, which also explains replacement cost and actual cash value coverage.

1. Find the wind and hail deductible on your declarations page, and ask your agent whether it differs from your standard deductible.
2. Report the damage to your insurer or agent yourself and ask what the company needs from you.
3. Stop water from entering with a tarp or similar temporary repair, and keep the receipts.
4. Give the adjuster your photographs and any written estimate, and attend the inspection if you can.
5. Expect a first payment and a second one after repairs begin, if the policy pays replacement cost.
6. Pay your own deductible. Texas Insurance Code section 707.002 says the insured pays it, so an offer to waive it is a reason to stop.

The Insurance Information Institute's steps for settling a claim, read October 25, 2026, put the same first moves in the same order: contact your agent or company, make temporary repairs to protect the property, and save the receipts. The same page warns about contractors who ask for a large amount of money up front, which is the moment to compare the request with the payment schedule in your contract.

If the company denies the claim, or its offer stays far from the bids you hold, the National Association of Insurance Commissioners lists the state insurance department for each state, read October 25, 2026, and each department takes a complaint about an insurer.

You can test whether a claim is worth filing at all with the hail claim calculator, which compares an estimate with a deductible before you make a call.

Which Contractor Checks Should I Run Before Signing?

Texas issues no state roofing license, so a license number proves nothing and the checks below do the work a license would do elsewhere. The Roofing Contractors Association of Texas licensing page, read October 26, 2026, calls the association's own license a voluntary credential, so treat it as one more check and not as the state's approval. Run all of them on the exact company name printed on the contract, in this order.

1. Search the Better Business Bureau file for the company and read the complaint history, not only the letter grade.
2. Look for permits filed under the company's name in your city's public record, since a roofer with a local history has pulled them before.
3. Ask for a certificate of insurance sent from the insurer, and confirm the dates.
4. Match the street address on the estimate to a real building, and the phone number to a local area code.
5. Get at least two other written bids and compare scope line by line before you compare totals.

On the coast, the Texas Windstorm Insurance Association lists replacing a roof, or repairing a significant portion of one, among the improvements that need a certificate of compliance, read October 26, 2026. Ask whether the work needs that certificate before signing, because it is a document separate from the city permit and from the insurer's approval.

Each metro has its own guide to those lookups, with the permit portal and the BBB search address that fit its city. Open the one for your area:

• San Antonio: San Antonio roofer rankings and how to check a San Antonio roofer.
• Dallas-Fort Worth: Dallas-Fort Worth roofer rankings and how to check a Dallas-Fort Worth roofer.
• Houston: Houston roofer rankings and how to check a Houston roofer.
• Austin: Austin roofer rankings and how to check a Austin roofer.

What Are The Warning Signs After A Hailstorm?

• A stranger at the door knows your roof is damaged and has never seen it.
• The offer is a free roof, a waived deductible or a rebate for signing today.
• The contract is blank, the scope is missing or the deposit is most of the price.
• The roofer asks you to sign over your insurance payment or to let them deal with the insurer in your place.
• The company has no local address, only a truck, a number from another state or a name that changed after a complaint.
• Pressure to decide before your own insurer has inspected.

Any one of these is enough to stop and make the checks above. The longer guide to spotting a storm chaser explains how each one plays out at the door.

Federal law also sets a cancellation right on a sale made at your home. The Cooling-Off Rule at 16 CFR part 429, read October 26, 2026, requires the seller to give a fully completed receipt or contract, and a statement next to the signature space that the buyer may cancel before midnight of the third business day after the sale. A contract that arrives without that statement is worth reading again before anyone signs it.

Does A Hail Rating On A Shingle Change The Claim?

A shingle can carry a Class 4 rating under UL 2218, and that rating describes one test result rather than the condition of a roof. UL Standards & Engagement's page for the standard, read October 25, 2026, says the test does not evaluate weathering, temperature, aging or similar effects, and that no direct correlation between a roof covering hit by hailstones and one hit by steel balls is established. Owens Corning's list of the shingles it rates Class 4, read October 25, 2026, footnotes the list to say the results do not guarantee the shingle will resist all weather conditions, and states that hail damage is excluded from coverage under its shingle warranty.

Those points cut in two directions. A rated shingle may perform better in a test, and the rating does not move a claim from a policy exclusion into coverage. Ask for the manufacturer's written warranty and read the exclusions before you treat a rating as protection.

What Does This Data Not Show?

It does not show whether your roof was hit. A report is a point on a map, and hail falls in narrow swaths. It does not show the size of the stones that fell on your block, only the largest reported anywhere in the metro's counties on a given day.

It does not show claim counts, denial rates or settlement amounts, and the paid-per-policy figure is an average that hides all three. The Texas Department of Insurance excludes losses paid by the Texas Windstorm Insurance Association, so a coastal county can look quieter than it is. The hail days are preliminary reports that the National Weather Service reviews later, and a few will be revised.

The ASTM International paper on hail damage to coated steel roofing, read October 25, 2026, opens with the point that cosmetic damage due to hail is often excluded from coverage. A roof can therefore carry marks the table would count as a hail day and still sit behind a policy term that pays nothing for them.

Finally, the table does not rank roofers. Nothing on this page is a recommendation of a company, and no company paid for a place in it. Rankings on this site are not for sale, and where a sponsor exists it is disclosed on the page that carries it.

What Else Do Homeowners Ask About Hail Damage Roof Repair?

Best hail and hurricane damage roof repair companies in Houston

Near a coast, ask one extra thing first: whether your policy sets a separate deductible for wind and hail. The Texas Department of Insurance says that deductible can differ from the one for other damage. Then confirm each roofer's street address, BBB profile, permit history and certificate of insurance, and keep the claim in your own name.

Best hail damage roof repair companies in San Antonio

No guide can name one for your roof, so narrow the field with records. Look for a company that lists storm work as a service, has a local address and a track record under the same name, and pulls permits in that name. The ranked lists on this site apply the same order of evidence to every company they include.

Best hail damage roof repair companies in Dallas Fort Worth

Texas issues no state roofing license, so no state list exists to pick from. The Roofing Contractors Association of Texas describes its own license as voluntary. The city permit record and the BBB file are the checks anyone can open, and each metro hub on this site links the ones that apply to its city.

Who does the best hail damage roof repair in Austin?

The result shows on the finished roof, so ask for two references and look at a completed job before you sign. A written estimate should name the materials, the scope of work and the payment schedule. A roofer who will not put those three things on paper has told you what you need to know.

Does hail an inch across damage a roof?

It can. The National Weather Service defines a severe thunderstorm as one capable of hail an inch or larger, and says hail of that size can damage roofs. Whether yours was damaged is a question for an inspection of the shingles, the flashing and the metal around the house, not for a storm report.

Will insurance pay for a new roof after hail?

Only for damage the policy covers. The Texas Department of Insurance says a company will not pay for a new roof just because the old one is worn out, and that a policy with replacement cost coverage pays in two checks, a partial one first and the rest after repairs start. Older roofs may be on actual cash value terms, which pay less.

Do more hail days mean higher repair prices?

This guide does not show that. The table counts days with reported hail and prints what insurers paid per policy, and neither is a price for a repair. Prices come from roof size, material and the contractor's bid, which the cost guide in the related links prices per roofing square.

Where Can I Read More?

• How do I pick a roofer after a storm? The full sequence with a public record behind each lookup.
• Hail days by metro: yearly counts for US metro areas, from the same Storm Prediction Center file.
• Texas wind and hail insurance losses by county: the Texas Department of Insurance file behind the loss column.
• All guides and local data.

Related guides

• How Do I Pick A Roofer After A Storm?: The inspection, the insurance claim steps, the contractor checks and the warning signs, with a public source behind every lookup.
• How Long After Hail Do Roof Permits Rise?: The days between each hail day and the first week of unusually high re-roof permits, computed from public storm and city permit files.
• Roof Replacement Cost By Metro In Texas: Installed cost per roofing square, city permit valuations and insurer Wind losses for every Texas metro on the site, each figure with its source and date.