Kirby · Bexar County · Insurance
This is the Kirby 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 quoteMetal roofs shrug off hail punctures but can dent cosmetically, and several Texas carriers now exclude cosmetic damage on metal — check before you switch. Hail season runs March through June with a fall echo, and the claim-filing window is measured from the storm date, so keep the date of every event that hit your street. Plank decking instead of plywood is common in this era, and it's the reason a quote must price decking replacement per sheet up front.
What it costs in Kirby: 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. Kirby is inside the everyday service radius, so there's no travel surcharge and no "we'll be in the area next month."