Texas · Insurance
Hail strikes, test squares, and adjuster scope. Most people searching this want to know if the hail actually damaged the roof and to get the claim approved if so — that's what you'll get, in writing, from a vetted, insured Central Texas roofing contractor.
Get a written quoteno 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.
Texas hail claims typically follow a replacement-cost policy, but many carriers have moved to a roof surface payment schedule that depreciates by age — check your declarations page for 'RSPS' or 'ACV roof' language.
Your carrier has a set period to acknowledge, investigate, and pay a claim under the Texas Prompt Payment of Claims Act, and a contractor who documents damage well makes that clock work in your favor.
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.
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
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.
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.
In 13 counties and 99 cities and communities — every area listed below. If yours isn't there, send the address anyway; the partner's service radius is wider than the page list.