Texas hail is different.
The Boerne area sits squarely in what insurance underwriters call "Hail Alley" — a corridor running through Central Texas that gets hit harder than almost anywhere else in the country. We routinely see 1.75" or 2"+ hail in the spring, and even smaller hail (over 1") will damage asphalt shingles in ways the homeowner can't see from the ground.
Signs your roof was damaged
- Round bruises in shingles — soft spots where the granules are knocked off and the mat is exposed. These age much faster than the surrounding shingle.
- Granule piles in gutters or at the bottom of downspouts — your shingles shedding their UV protection
- Dents in soft metals — gutters, downspouts, AC fins, vents. If hail dented your aluminum, it bruised your roof.
- Damaged window screens, siding, or fences — visual confirmation a hail event was significant enough to require a roof inspection.
- Missing shingles — wind damage often accompanies hail and is also covered.
How insurance claims actually work
Step 1 — Document, don't file (yet).
Before you call your insurance company, get a free inspection from us. We'll tell you honestly whether you have legitimate, claimable damage. Filing a claim that gets denied still goes on your insurance record. Don't file unless damage is real.
Step 2 — File the claim.
Once we've confirmed damage, you call your insurance and report it. They'll assign a claim number and schedule an adjuster.
Step 3 — We meet the adjuster on-site.
This is where most claims succeed or fail. We're on the roof with the adjuster, walking the same areas, pointing out damage, and making sure they document everything. We have a working relationship with most major Texas adjusters and they know our reports are credible.
Step 4 — Scope review & supplements.
The adjuster writes a "scope of loss" detailing what insurance will pay for. We review it line-by-line. If they missed code-required upgrades, decking, drip edge, or other legitimate scope items, we file a supplement to get them added.
Step 5 — Replacement and final payment.
We replace the roof. You pay your deductible. Insurance pays us the actual cash value up front and the recoverable depreciation after the work is complete. You're never out-of-pocket beyond your deductible.
What insurance does — and doesn't — cover
Covered: hail damage, wind damage, falling-object damage (tree limbs), code-required upgrades, decking replacement when damaged, flashing, gutters when damaged.
Not covered: normal aging, lack of maintenance, pre-existing damage, manufacturer defects.
Texas law also requires insurance to cover code upgrades when a roof is replaced. That can include synthetic underlayment, drip edge, ice & water shield, and ridge ventilation — meaningful items the average roofer doesn't know to ask for.
"We don't just file claims. We argue them when we have to."
What we don't do
We don't do "free roofs." We don't waive deductibles (it's insurance fraud and illegal in Texas). We don't promise a claim will be approved before we've seen the roof. If a contractor offers any of those things, run.
