Texas
How adjusters count hail damage in Texas
Test squares, the 8-hit threshold, and why your roofer's count should exist before the adjuster's does.
The test square
An adjuster chalks a 10-by-10-foot square on each slope and counts hail strikes inside it — bruises where granules are knocked loose and the mat underneath is fractured. Most carriers use a threshold, commonly eight strikes per square, to approve replacement of that slope.
What a strike looks like
A hail bruise is soft under a thumb, roughly round, and has granule loss with a fractured mat underneath. Blistering, foot traffic, and nail pops are not hail. A roofer who marks everything as hail loses credibility with the adjuster and costs you the claim.
Why the order matters
If your roofer counts first, you know whether you're above or below threshold before you file, and you have dated photos if the adjuster's count comes in low. Reinspections are won on documentation, not argument.