How Long Do You Have to Claim Hail Damage on a Roof in Texas?

hailstones in grass following a storm
8 July 2021

Hail Damage in Austin

Sometimes things don’t go as planned, like hail damage to your roof. Luckily, insurance claims exist to protect us from these unforeseen circumstances. But how long do you have to claim hail damage on roof in Texas? We’re answering that question and more in today’s post!

In Texas, hail usually makes an appearance during the springtime between March and May. However, it’s not uncommon to experience a heavy wind or hail storm during the summer. Our experts at XL Roofing know a thing or two about hail damage and can happily assist you in both the repair and claims process. 

What to do After a Hail Storm

As soon as the storm has calmed down and it’s safe to go outside, there are a few things you should take note of to make sure you have all of the information to share with your insurance company. We recommend taking the following actions as soon as possible: 

  • Note the date: First things first, write down the time and date of the hailstorm. This will be the first thing you’ll need to provide when filing your claim. 
  • Take several photos: Inspect the area and document the damage with several pictures and/or videos. Be sure not to make any immediate repairs yourself before capturing them on film. 
  • Document the hail size: If there’s any hail pieces leftover, be sure to write down an estimate of their size. If there’s not, you can always search the internet using the keywords “Hail Storm – Your City Name” or ask any neighbors if they were able to document the size. If you are able to capture a piece or two, take a picture of it in your hand for size reference. 

Schedule a Roofing Inspection

Once you begin the filing process, your insurance rates can be impacted even if your claim is not covered. This is why it’s important to have a professional roofing inspection completed before beginning the claim process. In some cases, you may find that your roof was spared any major damage and filing a claim will be counterproductive. Signs your inspector will look for: 

  • Damaged or dented shingles
  • Dents in gutters, gutter screens, or downspouts
  • Cracks in skylights or windows
  • Loose or missing granules
  • Loose or missing shingles

If your Austin roofing inspection uncovers hail damage, you can begin the claims process armed with critical information about the health of your roofing system. 

Filing a Claim 

If you determine that you’re ready to file a claim, get in touch with your provider and begin the process. They will walk you through the process, gather information and schedule a time for an adjuster to inspect your roof. 

How Long Do You Have to Claim Hail Damage on a Roof in Texas?

The amount of time you have to file an insurance claim on roof damage in Texas is actually dependent on your insurance provider. Your policy will clearly state the amount of time you have and will differ from provider to provider and policy to policy. Thus putting off beginning the roofing inspection and claims process is a big gamble. What might not appear to be a big issue today could compound into a larger issue later and you may find yourself outside of your eligibility window at the time. So do not delay, schedule your free, no-obligation roofing inspection with one of our experts as soon as possible. 

We’re Here to Help 

Our team is trained to return your roof to its original state, whether it be a roof repair or replacement. We’ll make sure you have a clear understanding of the state of your roof before you settle your claim. Don’t delay, as soon as damage occurs, contact us to schedule your comprehensive Austin roof inspection!