Hail Damage Roof Insurance Claims in Central Texas: A Homeowner's Guide

If hail just hit your roof, here's the short version: document the storm, get a free professional inspection, and file your claim. In Texas you have two years from the storm date to do it. Your policy likely has a separate wind-and-hail deductible of about 1–2% of your home's insured value. We inspect for free and can help with the claim. Call (737) 320-3400.

How often does hail actually hit Georgetown?

Often enough to plan around, and in a pattern worth knowing. National Weather Service and Storm Prediction Center records log 104 hail events within 10 miles of Georgetown since 2004, alongside 111 wind reports and 21 tornado reports. The largest stone on record measured 4.00 inches, grapefruit sized, on 24 September 2023. The worst single year was 2023, with 30 reports.

Two things fall out of that table. April is the month, accounting for 43 of 104 reports, about 41 percent of the entire record. And September is the one that hurts, because although it produces fewer storms it produces much larger stones. If you are trying to remember when your roof might have been hit, April is the likeliest answer and September is the most expensive one.

The clearest recent example was 22 April 2025. Teravista recorded 2.5 inch baseball-sized hail. A homeowner measured a 1.5 inch stone with a digital caliper at FM 1460 and Inner Loop and posted the photo. Half-dollar hail fell along Arabian Colt Drive. A year later, on 18 April 2026, the National Weather Service logged pea to quarter hail across a swath between Georgetown and Round Rock near Westinghouse Road, FM 1460, and SH 130.

Source: NOAA Storm Prediction Center and National Weather Service (EWX) storm reports within 10 miles of Georgetown city center, 2004 to present, compiled via StormerSite.

What should I do after a hailstorm hits my roof?

Start calm and in order. First, note the date of the storm and take photos of any obvious damage. Don't climb up yourself. Get a free professional inspection to find the damage that isn't visible from the ground. If there's real damage, file your claim with your insurer and keep records of everything. A roofer who knows the area can document the damage properly and make the whole process smoother.

How does the roof claim process work?

In short: inspection, claim, adjuster, repair. Here's the whole sequence:

How long do I have to file a roof claim in Texas?

Texas law generally gives you two years from the date of the storm to file a claim. That means damage from a spring 2024 storm, for example, can often still be claimed into 2026. Don't wait, though. The longer you leave documented storm damage, the harder it can be to tie it to a specific event, and small problems get worse and more expensive.

How much is my wind and hail deductible?

In Texas, most homeowner policies carry a separate wind-and-hail deductible, and it's usually a percentage of your home's insured value, commonly 1% to 2%, rather than a flat dollar amount. On a home insured for $400,000, a 1% deductible is $4,000. It's worth checking your policy before you file so you know what you'd owe out of pocket versus what a repair or replacement would cost.

Will insurance pay to upgrade to a metal roof?

It depends on your current roof. If you already have metal and it's damaged, your policy generally covers replacing it in kind. If you have shingles and want to upgrade to metal after a claim, insurance typically pays what it would cost to replace the shingles, and you pay the difference for the metal upgrade. Either way, a free inspection and a clear estimate tell you where you stand. See what a metal roof costs in Georgetown.

Someone knocked on my door after the storm. Should I sign?

No. Not that day, and not without checking a few things first. April storms bring out-of-town crews to Georgetown every year, and the City itself publishes the Texas Department of Insurance guidance on this, which tells you how common the problem is.

The parts worth memorizing:

• It is illegal in Texas for a contractor to offer to waive or absorb your deductible. Under House Bill 2102, effective 1 September 2019, a violator can face up to a $2,000 fine and six months in jail. If someone offers, report it to the Texas Attorney General's Consumer Protection Hotline at 800-621-0508. An offer to eat your deductible is not a discount, it is a signal.
• Never sign anything saying "Homeowner agrees to the listed repairs for the value of the insurance proceeds." That hands over every dollar your insurer pays, whatever the number turns out to be.
• Door knockers in Georgetown need a solicitor permit from the Police Department. Asking to see one is entirely reasonable and tells you a lot.
• Check the City's roofer list. Georgetown requires roofing contractors to register through My Government Online before a permit is issued, and publishes the list of currently registered contractors. If a company is not on it, they cannot pull your permit.
• Never sign a contract with blanks in it, and never pay in full up front.

None of that means a company knocking on doors is dishonest. Plenty of good roofers canvass after a storm. It means you have two years to file, so you have time to check, and anyone pressuring you to decide tonight is telling you something about themselves.

Source: City of Georgetown Roofing Permits page, reproducing Texas Department of Insurance contractor-scam guidance; Texas House Bill 2102, 86th Legislature.

Do you help with the insurance claim?

Yes. We provide a free, documented inspection, give you the photos and details your insurer needs, and can meet your adjuster on-site so the damage is assessed fairly. We can't guarantee what your insurer will decide, and no honest roofer can, but we make sure the damage is properly seen and recorded. See our metal roof repair services.

This guide is general information for Central Texas homeowners, not legal or insurance advice. Your policy terms control what's covered. Check with your agent or insurer about your specific situation.

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