Cibolo · Guadalupe County · Insurance
This is the Cibolo 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 quoteNewer subdivisions sit on former farmland with few trees, which means full sun and full wind exposure on every slope. New-construction underlayment is often the minimum synthetic; upgrading it during any re-roof is a small cost with a big insurance payoff. 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.
On cost: 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.
Roofers cannot legally pay or waive your deductible in Texas — a 'free roof' pitch is a fraud red flag, not a deal.
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.
Roofers cannot legally pay or waive your deductible in Texas — a 'free roof' pitch is a fraud red flag, not a deal. Cibolo is inside the everyday service radius, so there's no travel surcharge and no "we'll be in the area next month."