Central Texas hail and wind storms can damage a roof in minutes. What you do in the first few days protects your home, your insurance claim and your wallet.
Step by step after a storm
- Stay safe. Stay off the roof and away from downed lines or sagging ceilings.
- Photograph everything: the roof from the ground, gutters, siding, windows, cars, hail on the ground and any leaks inside.
- Stop further damage. Place buckets, move belongings and have a contractor tarp any openings.
- Call your insurance company to start a claim and ask how they want damage documented.
- Get a professional inspection from a local roofer before the adjuster visits if you can.
- Keep receipts for emergency repairs and temporary housing.
Know the law: your deductible
Texas law requires homeowners to pay their insurance deductible, and it is illegal for a contractor to offer to waive, rebate or absorb it. Contracts tied to an insurance claim must include a notice saying so. A contractor who offers to cover your deductible is breaking the law and is a red flag. The Texas Department of Insurance has more on this in its consumer guidance on roofing and insurance.
How to avoid storm chasers
After big storms, out-of-town crews often knock on doors across Lake Travis. Be cautious of anyone who:
- Shows up uninvited and pushes you to sign right away
- Asks you to sign over your insurance benefits
- Wants large payments up front
- Has no local address, references or reviews
A local builder will still be here next year if something needs attention.
Repair or replace?
Minor wind damage or a few missing shingles can often be repaired. Widespread hail bruising, cracked tiles or damaged metal panels usually mean replacement. Insurance typically covers sudden storm damage, not normal wear. If you are replacing the roof, it can be a good moment to consider impact-resistant shingles or metal roofing, which hold up well in Texas weather.
Lakeway Remodeling provides emergency tarping, storm damage repair, insurance claim support and full roof replacement around Lake Travis. Call Paje after the storm.
Common questions
Can a roofer pay my deductible in Texas?
No. Texas law requires the homeowner to pay the deductible, and it is illegal for a contractor to waive, rebate or absorb it.
What should I do first after hail damages my roof?
Stay safe, photograph the damage, prevent further leaks with tarping, and contact your insurance company to start a claim. A local roofer can inspect and document the damage.
