Smithville · Bastrop County · Insurance
This is the Smithville 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 quoteAfter a storm, the trucks knocking on doors are working from radar; the roofer worth calling works from photographs of your roof, slope by slope. Roof surface payment schedules and ACV roof endorsements are showing up on renewals across Central Texas; read the declarations page before assuming a claim will fund a new roof. Lower pitches on mid-century homes rule out some products and make ice-and-water shield in the valleys non-negotiable.
What it costs in Smithville: 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.
You never have to sign a contract with a roofer to get an inspection or to file a claim. Any roofer who says otherwise is the reason this site exists.
How it works
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.
Test squares: a 10x10 foot area on each slope is chalked and hail strikes are counted. Most carriers use a threshold (often 8+ per square) to approve a slope. Your roofer should do the same count before the adjuster arrives.
You never have to sign a contract with a roofer to get an inspection or to file a claim. Any roofer who says otherwise is the reason this site exists. Smithville is inside the everyday service radius, so there's no travel surcharge and no "we'll be in the area next month."