If you live in Coppell, TX, you know that hailstorms are a part of life. These fast-moving storms can cause extensive damage to cars, siding, windows—and especially roofs. While the physical damage from hail is bad enough, the real stress often begins afterward, when it’s time to deal with insurance claims. Whether this is your first hail event or your fifth, understanding the hail damage claim process can save you time, money, and frustration.
This guide will walk you through everything you need to know about filing a hail damage claim, working with a roofing contractor, and ensuring your home gets the full protection it deserves.
Why Hail Damage Is a Serious Problem
Even if your roof looks “fine” from the ground, hail can cause significant, long-term issues. Hailstones can:
- Dislodge the protective granules from shingles
- Bruise or crack the asphalt layer beneath
- Dent or damage metal flashing and vents
- Weaken seals and expose the roof to future leaks
Left unaddressed, hail damage can lead to mold growth, water intrusion, insulation damage, and premature roof failure. This is why many insurance policies cover hail-related roof damage—provided you act quickly and follow the proper steps.
Step 1: Inspect and Document the Damage
As soon as the storm clears, walk around your property and take detailed notes. Photograph any signs of damage, including:
- Granules washed into gutters or downspouts
- Shingle dents or missing tabs
- Cracked skylights, vents, or flashing
- Water stains on your ceilings or walls
Also, keep records of local weather alerts and the date and time of the storm. The more evidence you have, the smoother your claim process will be.
Avoid climbing on the roof yourself. Hail can weaken the roof surface, and walking on it may cause further damage. Instead, call a professional roofer for a full inspection.
Step 2: Schedule a Professional Roof Inspection
Working with an experienced local roofer ensures you get an accurate assessment of the damage. KangaRoof, based in Coppell, TX, is trained to spot both surface and hidden hail damage. With certifications like Owens Corning Preferred Contractor and CertainTeed Master Shingle Applicator, their team can assess the damage, provide photographic documentation, and help prepare the necessary paperwork for your claim.
Roofers often identify issues that adjusters miss—such as compromised underlayment or structural damage beneath the shingles—which can significantly affect the outcome of your insurance coverage.
Step 3: File Your Insurance Claim
Contact your insurance provider as soon as you have your inspection report. Most policies require claims to be filed within a specific window—often within one year of the damage. Your roofer can help you file the claim, submit supporting documents, and prepare for the adjuster visit.
When you call your insurance company, be ready to provide:
- Your policy number
- The date of the storm
- A description of the damage
- Photos and inspection documents
The insurance company will assign an adjuster to evaluate your roof.
Step 4: Meet With the Adjuster
The insurance adjuster’s job is to inspect the damage and determine what your policy will cover. It’s crucial to have your roofing contractor present during this meeting. They’ll ensure that all damaged areas are reviewed and that no hidden issues are overlooked.
If the adjuster’s estimate is too low or incomplete, your roofer can file a supplemental claim with additional documentation, ensuring you receive enough to fully repair or replace your roof.
Step 5: Understand Your Coverage and Payment Terms
There are two main types of policies when it comes to roof claims:
- Actual Cash Value (ACV): This covers the depreciated value of your roof. You may receive less than the full cost of replacement, especially if your roof is older.
- Replacement Cost Value (RCV): This covers the full replacement cost of your roof. Payments are usually issued in two parts—the first after the adjuster’s inspection, and the remainder after the work is completed and invoiced.
Be sure to understand your deductible, policy limits, and how payments will be issued. Your contractor can help explain your insurer’s estimate and identify any discrepancies.
Step 6: Repair or Replace the Roof
Once your claim is approved, your roofing contractor can begin the repair or replacement process. In areas like Coppell, TX, where severe storms are common, it’s wise to choose high-performance roofing materials like Owens Corning impact-resistant shingles.
These upgraded products may also qualify you for a discount on your homeowners insurance premium. More importantly, they’re built to stand up to future storms—giving you peace of mind year after year.
Avoiding Common Mistakes
Here are a few mistakes homeowners make when dealing with hail damage claims:
- Delaying the inspection: Time-sensitive policies may reject late claims.
- Relying only on the adjuster’s estimate: Always get a second opinion from a roofer.
- Hiring storm chasers: Out-of-town contractors may offer cheap prices but often disappear after the job, leaving no support for future issues.
- Not understanding policy terms: Work with a contractor who can help explain and navigate coverage.
Final Thoughts
Hail damage is no minor issue—and dealing with insurance doesn’t have to be a headache. By acting quickly, documenting damage thoroughly, and partnering with a trusted local roofer, you can navigate the claims process with confidence and ensure your home is restored properly.
If you suspect hail damage to your roof in Coppell, TX, contact KangaRoof for a professional inspection and insurance claim support.
Read also our blog: Leaf Damage: Why It’s a Threat to Your Roof