Storm & Hail Damage Roof Repair in North Texas
When a North Texas hailstorm rolls through Grayson, Cooke, or Collin County, the damage on your roof is often invisible from the ground — until it becomes a leak. LoneStar provides storm damage inspections, honest documentation, and professional restoration, and we help you communicate clearly with your insurance company along the way.
What to Do After a Hailstorm Hits Your Roof
- 1. Stay off the roof. Hail bruising and lifted shingles are easy to make worse and hard to see safely. Document what you can from the ground: dented gutters, downspouts, window screens, and AC fins are all evidence.
- 2. Note the date and time of the storm. Your claim will be tied to a specific weather event — a photo of hailstones next to a coin or tape measure is worth a lot.
- 3. Get a professional inspection before filing. We inspect the roof, document every finding with photos, and tell you honestly whether the damage justifies a claim. Not every storm warrants one — and filing a claim that gets denied still goes on your record.
- 4. Beware of storm chasers. After every major North Texas hail event, out-of-town crews canvass neighborhoods, collect deductibles, do quick work, and disappear. Use a local, licensed & insured contractor who will still be here next spring.
How the Insurance Claim Process Works in Texas
If our inspection finds claim-worthy damage, here’s what the process typically looks like for Texas homeowners:
- You file the claim with your insurance carrier and schedule the adjuster visit.
- We meet the adjuster on-site when appropriate, walk the same roof, and make sure documented damage isn’t missed.
- The carrier issues a scope and estimate. We review it against our own documented scope so nothing is left off — decking, flashing, ventilation, and code-required items included.
- We restore the roof on a clear timeline with site protection, daily cleanup, and a final walkthrough. You typically pay only your deductible — and in Texas, contractors offering to “cover your deductible” are breaking the law.
Signs of Hidden Storm Damage
- Granule loss — bald spots on shingles or granules piling up in gutters
- Soft, dark “bruises” where hail crushed the shingle mat
- Lifted or creased shingles from straight-line winds
- Dented ridge vents, flashing, and gutters
- Water stains on ceilings or in the attic after the next rain
Does a hail claim raise my insurance rates?
In Texas, carriers generally can’t surcharge you for a single weather-related claim — hail is treated as an “act of God.” Area-wide rates may move after major storms whether you file or not. We’ll give you an honest read on whether your damage justifies a claim before you file.
How long do I have to file a storm damage claim in Texas?
Most Texas policies require claims within one year of the storm date, and some carriers expect “prompt” notice much sooner. If you suspect damage from a past storm, get an inspection now — we can often match damage to a documented weather event.
What if my claim is approved but the payout seems low?
That’s common on first scopes. We compare the adjuster’s estimate line-by-line against our documented scope and submit supplements for anything missed — decking, code items, ventilation, and flashing are frequent omissions.
Do you only do insurance work?
No — we replace and repair roofs with or without a claim, in both shingle and metal systems. Insurance experience is simply part of doing storm work honestly in North Texas.
Get Your Free Quote
One team, one call, done right. Tell us about your storm restoration project and a representative will contact you within 2 business days.