Alamo Ranch · Bexar County · Insurance
This is the Alamo Ranch 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 quoteThis is the heart of the I-35 hail corridor, where golf-ball hail arrives most springs and bruises roofs that were fine the year before. Metal roofs shrug off hail punctures but can dent cosmetically, and several Texas carriers now exclude cosmetic damage on metal — check before you switch. Most housing is under 15 years old, so roofing here is about storm damage or an early-failing builder install rather than age.
What it costs in Alamo Ranch: 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
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.
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. Alamo Ranch is inside the everyday service radius, so there's no travel surcharge and no "we'll be in the area next month."