Hail Damage Roof Repair

Hail is the most expensive kind of storm damage in the country and the easiest to overlook on your own house. The Insurance Information Institute reports that hail alone accounts for as much as 80 percent of severe convective storm claims in any given year, and that severe convective storms produced roughly 51 billion dollars in United States insured losses in 2025, the third year running above 50 billion.

The reason so much of that goes unnoticed at first is that hail damage is not usually a hole. A hailstone hits an asphalt shingle and crushes the fiberglass mat underneath the surface. The granules that protect the asphalt from ultraviolet light come loose and wash into the gutter. From the ground, and often from a ladder at the eave, the roof looks unchanged. What has actually happened is that the shingle's clock has been moved forward: the exposed asphalt now ages faster, and a roof with fifteen years left may have five.

That delay is the problem. By the time the roof starts leaking, the storm that caused it may be well outside the window your policy allows for reporting a loss. A roof that was hit and never looked at is a roof that quietly becomes your expense rather than a covered one.

A real hail inspection happens on the roof, and it follows a fairly specific order.

One structural thing about Texas policies is worth understanding before you decide what to do, because it changes the arithmetic on small claims.

In Texas the windstorm deductible applies to windstorm and hail damage from any kind of windstorm, not only from named storms or hurricanes. That is different from states where a percentage deductible is triggered only by a declared hurricane. And these deductibles are commonly written as a percentage of the insured value of the dwelling rather than as a flat dollar figure, typically somewhere between one and five percent according to the Insurance Information Institute.

The part that surprises people is what the percentage applies to. It is calculated against your dwelling coverage limit, not against the size of the loss. So the deductible on a hail claim can be a substantial number even when the damage is moderate, and it is worth knowing that figure before you decide whether a claim makes sense. Your declarations page will show it.

We will document what we find and give you a written estimate. What we will not do is tell you what your claim is worth, negotiate with your carrier, or do anything with your deductible other than bill it as it is written. More on where that line sits is on our roof insurance claim documentation page.

Hail damage is one of the clearer repair-versus-replace decisions, because it is driven by how spread out the damage is rather than how bad any single spot looks.

Repair is reasonable when the impacts are confined to one slope, the density is low, and the rest of the roof is in good condition. Replacing a section of shingles, a dented vent, and a run of gutter is a real fix in that situation.

Replacement becomes the honest answer when bruising shows up across multiple slopes at meaningful density, because at that point the whole surface has been aged rather than a part of it damaged. Patching a roof whose entire granule layer has been knocked loose buys very little time. Our roof replacement page covers what that work involves.

If you are replacing anyway, consider impact resistant shingles. Class 4 rated products are built to take a hit without the mat failing, and many Texas insurers offer a premium credit for them. In a part of the country that gets hit this regularly, that is not an upsell so much as a straightforward calculation.

If hail has just come through, the order of operations is simple. Photograph anything obvious from the ground, including dented gutters and the hailstones themselves against something for scale if you still can. Note the date. Then get the roof looked at.

If shingles are actually off and water is getting in, that is an emergency roof repair and should be treated as one rather than waiting for an inspection appointment, and emergency roof tarping is the temporary measure that buys the time. If nothing is leaking and you simply want the roof assessed and documented, a hail damage roof inspection is the place to start. Hail that arrives with high wind often does both, which is why our storm damage roof repair and wind damage roof repair pages overlap with this one.

ROYH Build Co is a GAF Platinum and Atlas Platinum certified contractor, licensed and insured, working across Montgomery County and Harris County. We use LumaNail luminescent nails and the Catch-All perimeter debris system so a hail repair does not leave your yard full of fasteners.