San Antonio · Bexar County · Insurance
This is the San Antonio 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. Housing spans a century of construction, so the right answer changes street by street: re-deck on an older home, straightforward replacement in a newer subdivision.
What it costs in San Antonio: 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
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.
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.
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. San Antonio is inside the everyday service radius, so there's no travel surcharge and no "we'll be in the area next month."