Longhorn Construction Co. Blog

How to File a Hail Damage Roof Claim in Texas

If your home has been hit by hail in North Texas, you're not alone. DFW experiences some of the most severe hailstorms in the country, and knowing how to file an insurance claim can make the difference between a smooth recovery and a stressful ordeal. Here's a step-by-step guide to help you navigate the process.

Step 1: Document the Damage Immediately

After the storm passes (and it's safe to go outside), take clear photos and videos of all visible damage. Look for dented metal surfaces (gutters, vents, flashing), damaged or missing shingles, and any interior signs of leaks. The more documentation you have, the stronger your claim will be.

Step 2: Contact a Licensed Roofing Contractor

Before calling your insurance company, contact a licensed roofing contractor like Longhorn Construction Co. for a professional inspection. We can identify damage that may not be visible to the untrained eye and provide a detailed damage report that supports your insurance claim. Our inspections are 100% free.

Step 3: File Your Insurance Claim

Call your insurance company's claims department to file a claim. Provide them with your policy number, the date of the storm, and a description of the damage. Your insurer will assign an adjuster to inspect your property.

Step 4: Meet with the Insurance Adjuster

When the insurance adjuster visits, have your roofing contractor present. This ensures that all damage is properly identified and documented. Your contractor can point out damage the adjuster might miss and answer technical questions about the scope of repairs needed.

Step 5: Review the Insurance Estimate

After the inspection, your insurance company will provide an estimate for repairs. Compare this estimate with your roofing contractor's estimate. If there's a significant difference, your contractor can negotiate with the insurance company to ensure all necessary repairs are covered.

Step 6: Schedule Repairs

Once the claim is approved, schedule your roof repair or replacement. Longhorn Construction Co. works directly with insurance companies throughout the entire process, from inspection to final repair, ensuring a smooth and stress-free experience.

Important Tips for Texas Homeowners

• File quickly: Most insurance policies require claims to be filed within a certain timeframe after the storm. Don't delay.
• Don't pay upfront: Be wary of contractors who demand full payment before starting work. Reputable contractors work with your insurance company.
• Keep all records: Save all correspondence, estimates, photos, and receipts related to your claim.
• Consider supplemental claims: If additional damage is discovered during repairs, you can file a supplemental claim for the additional work.

Need Help with Your Hail Damage Claim?

Longhorn Construction Co. has been helping DFW homeowners navigate hail damage claims since 1993. We offer free inspections, work directly with your insurance company, and handle everything from documentation to final repair. Call (940) 828-3900 to schedule your free inspection today.