Hail Damage Repair

Hail is honest at ground level and cagey on the roof. Dented mailboxes and stripped leaves are obvious the same morning, but the shingle damage that matters is a bruise inside the mat, invisible from the driveway and sometimes dry for years before it leaks. That gap between what you can see and what an insurer will pay for is what this page walks you through.

Bruising, not holes

A damaging strike knocks granules loose and fractures the fiberglass mat underneath. The roof usually keeps shedding water at first, which is the trap: exposed asphalt ages fast under Texas UV, the fracture spreads, and shingles start failing years ahead of schedule. That is functional damage, the kind claims exist to cover. Scuffed granules without a broken mat is cosmetic wear, and the line between the two is precisely what the claim process argues about. Learn the ground level tells in our hail spotting guide before anyone with a ladder rings the doorbell.

The sequence that protects you

Hail rewards order, not hurry:

1. Record the storm date and photograph ground level evidence the same week.
2. Get the roof inspected by someone you chose, not someone who chose you.
3. File only if the damage is claim worthy, then meet the adjuster with your roofer present so scope gets settled on the roof instead of by voicemail.
4. Repair or replace to the approved scope, and keep every receipt.

Steps two through four each have a full guide: inspections, claims from start to finish, and the printable post storm checklist.

What repair looks like when the roof survives

Not every hail event totals a roof. When strikes are confined to a slope or two, or mostly to soft metals, the work is surgical: bruised shingles swapped, dented vents and caps replaced, new pipe boots, gutter and downspout straightening. Published industry cost data for the Georgetown area puts most hail repair invoices between $500 and $3,000, and when insurance approves a larger scope, your out of pocket often lands right at the deductible. Widespread damage across slopes moves the conversation to storm restoration and likely replacement. Either way, get the scope in writing, down to which slopes and which soft metals, so nothing agreed on the roof quietly disappears from the invoice.

About the crews that follow the storms

Big hail pulls out of town roofers into Georgetown within days, and some are perfectly competent. The filter is boring and local: verifiable liability insurance, a physical address you could drive to, references from jobs in the county, and zero pressure to sign the day they knock. Anyone unwilling to be vetted on your schedule has answered the question for you.