Lakehills · Bandera County · Insurance
This is the Lakehills page for hail damage roof claim. The short version: you want to know if the hail actually damaged the roof and to get the claim approved if so, and you can have it without a salesperson at the door.
Get a written quoteRoofs here tend to go longer between inspections, so damage from two or three storms ago is often still sitting there when someone finally looks. This is the edge of the hail belt: storms are less frequent than up the I-35 corridor, but the ones that arrive are the same size. Decade built, number of previous roofs, and any additions all move the number here, which is why a quote starts with a short conversation about the home's history.
What it costs in Lakehills: no cost to inspect; the roofer's incentive is a fully scoped claim, and yours is a new roof for the price of your deductible — both align when the damage is real.
Texas hail claims typically follow a replacement-cost policy, but many carriers have moved to a roof surface payment schedule that depreciates by age — check your declarations page for 'RSPS' or 'ACV roof' language.
How it works
Texas policies typically allow filing within a year or two of the event, but the sooner the better — weathering makes old hail damage harder to distinguish from wear.
Under a replacement cost policy, no — the recoverable depreciation is only paid when the work is done. Under an ACV policy, you get the depreciated value and can do what you want, but it won't buy a new roof.
Texas hail claims typically follow a replacement-cost policy, but many carriers have moved to a roof surface payment schedule that depreciates by age — check your declarations page for 'RSPS' or 'ACV roof' language. Lakehills is inside the everyday service radius, so there's no travel surcharge and no "we'll be in the area next month."