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North Texas Storm Damage Guide for Homeowners
What to check after hail or high winds, what to do first, and how to protect your insurance claim. From a local McKinney roofer since 2012.
Step 1: Stay safe and check from the ground
- Don't climb on a wet or damaged roof. Walk around the house and look from the ground.
- Look for missing or lifted shingles, granules piled at the downspouts and dented gutters, vents or AC units.
- Check ceilings and the attic for water stains, drips or damp insulation.
- Take dated photos of everything you see, including hail on the ground if it's still there.
Step 2: Signs of hail and wind damage
Hail damage
Dark spots where granules were knocked off, soft bruises in the shingle, cracked or split shingles and dents in metal flashing and vents.
Wind damage
Missing shingles, creased shingles that were lifted and folded back, and exposed underlayment or nails.
Gutters and siding
Dents in gutters and downspouts, chipped paint, and cracked or split siding often point to roof damage too.
Inside the home
New ceiling stains, peeling paint near the roofline or daylight in the attic mean water may already be getting in.
Step 3: Get a free professional inspection
A trained inspector checks every slope, documents damage with photos and tells you honestly whether you have a claim. If your roof is fine, we'll tell you that too.
Step 4: Filing your insurance claim
- Read your policy for your deductible and the deadline to report a claim. Many Texas policies allow one year from the storm, but yours may differ.
- Report the claim and ask for an adjuster inspection.
- Have your roofer meet the adjuster so nothing gets missed.
- Keep copies of every photo, estimate and letter.
- Choose how much help you want: handle the claim yourself or let us guide you step by step.
Watch out for storm chasers. Texas law prohibits contractors from waiving or paying your insurance deductible. Be cautious of anyone who offers to, asks for full payment up front, or has no local address.
Storm damage FAQ
How soon after a storm should I get my roof inspected?
As soon as it is safe. Hail damage can lead to leaks months later, and most insurance policies set a deadline for reporting a claim, so an early inspection protects your options.
Can hail damage my roof if I don't see anything from the ground?
Yes. Bruised shingles, lost granules and cracked mats are usually only visible up close. Dented gutters, vents or AC fins are a good sign the roof took hits too.
Should I call my insurance company or a roofer first?
Many homeowners start with a free inspection so they know whether there is real damage before opening a claim. If damage is found, we document it with photos you can share with your insurer.
Is a free storm inspection really free?
Yes. RoofHero inspections are free, and you are under no obligation to hire us.
What should I do if my roof is leaking right now?
Move valuables, catch the water, and call us at 469-975-7377. We offer 24/7 storm response and can tarp the roof to prevent more damage.
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RoofHero is proud to maintain a 5-star rating on Google, with homeowners consistently praising our honesty, clear communication, and smooth insurance claim process. Customers frequently mention how responsive our team is, how well we document storm damage, and how stress-free we make the entire roof replacement experience.
From first inspection to final cleanup, we show up, follow through, and treat your home like it’s our own.