Kirby · Bexar County · Insurance
This is the Kirby page for wind damage roof claim. The short version: you want to file a wind claim for a storm that wasn't a named hurricane, 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. Most homes predate 1980, so many are on their third or fourth roof and code limits on layers become a real constraint at tear-off.
What it costs in Kirby: uses your regular flat deductible, which is why many Florida homeowners with real damage from a tropical storm or squall line come out much better than under the hurricane deductible.
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
Creased or folded shingles that have lost their seal, lifted tabs, missing shingles, and ridge cap damage — concentrated on the side the wind came from. Uniform wear on all slopes is age, not wind.
Only if the National Hurricane Center gave it a name and it was in effect for your area at the time of loss. A severe thunderstorm, derecho, or unnamed tropical system is a regular wind claim.
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."