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Storm damage documentation

Storm & Hail Damage Insurance Claims

When hail hits North Texas, the insurance process can feel confusing. We document your damage, explain the process in plain English, and build your new roof right.

Rich The Roofer is a roofing contractor, not a public adjuster. We document damage and do the work; your insurance company determines coverage.

DFW is hail country

North Texas sits in one of the most active hail corridors in the country. Spring and early summer storms routinely drop hail across Kaufman, Rockwall, Dallas and Collin counties, and high winds can do just as much damage as the ice. The tricky part is that roof damage from hail is often invisible from the ground. Bruised shingles, cracked mats and lost granules may not leak for months — and by then, your window to file a claim may be closing.

That's why we tell every homeowner: not if, but when. Be prepared before the storm, and act quickly after one.

Documentation to support your insurance claim

Our focus is insurance claims, and documentation is everything. During your free Roof Protection Inspection, we photograph and measure damage slope by slope, including soft metals, vents, gutters and other collateral damage that helps show a storm actually hit your property. You receive a Roof Protection Report you can share with your insurance company.

  • Detailed photos of hail and wind damage on every slope
  • Collateral damage documentation (gutters, vents, screens, fences)
  • Roof measurements and material identification
  • Clear written summary in plain English

On your side through documentation and quality

You pay your premiums so you're protected when the storm comes, and you deserve a thorough inspection. When your adjuster comes out, we can meet them on-site to point out the damage we documented. We explain each step of the process in plain English so you know what to expect. Your insurance company determines coverage, and once they approve a scope, we complete the repair or replacement to that scope with quality workmanship.

We will never ask you to do anything dishonest, and we never guarantee claim approval or outcomes. What we promise is thorough documentation, honest answers and quality work.

Deductibles and financing

Your deductible is your responsibility under Texas law, and we never waive, pay, rebate or cover it. Flexible financing options, including for your insurance deductible.

What to expect

  1. 01

    Free storm inspection

    We inspect and document damage with photos and a Roof Protection Report.

  2. 02

    File your claim

    You contact your insurer to open a claim; we explain what to expect.

  3. 03

    Adjuster meeting

    We can meet your adjuster on site to walk through the documented damage.

  4. 04

    Restore your roof

    Once approved, we install your new roof to the approved scope.

Frequently Asked Questions

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

Deadlines depend on your policy. Many Texas policies require claims within a set period after the storm, so review your policy or ask your agent and act promptly.

Will filing a claim raise my premium?

Weather claims are generally treated differently than at-fault claims, but every insurer is different. Ask your agent about your specific policy.

Can you waive my deductible?

No. Texas law requires homeowners to pay their deductible, and we never waive it. We do offer flexible financing options, including for your insurance deductible.

Do you meet with the insurance adjuster?

Yes, we can meet your adjuster on site and walk through the damage we documented.

What if my claim is denied?

Coverage decisions belong to your insurance company. We'll explain what our documentation shows and the options your insurer describes, and you decide your next step. We never guarantee claim outcomes.

Not if, but when

Be prepared before the storm.

Every inspection includes a free Roof Protection Report — documentation you can use if you ever need to file an insurance claim.

Prefer to talk? Call 469-264-4144

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