The storm’s passed and you hear the ping of hail still fresh in your memory. You step outside in Frisco to see some shredded plants and maybe even dents in your gutters. The first thought: Did my roof get damaged? Should I call my insurance?
Here’s what you should do in the first 72 hours after hail. Rushing to file a claim is often the wrong move. Let’s walk through it, step by step.
Start by Documenting Everything—Before You Call Anyone
Grab your phone and take clear, date-stamped photos of anything you see that looks different: shingles, gutters, siding, vents, even your car. Don’t get on your roof—just shoot what you can safely see from the ground. Document window screens, patio furniture, fences, and landscaping too. This is your proof if you ever need to file a claim, but it’s also your baseline in case damage develops later.
Don’t call your insurance company yet. Why? Because roughly half the time, your roof in Frisco will be just fine after hail. Filing a claim when there’s no real damage can create headaches you don’t need, including possible premium hikes or a denied claim on your record.
Look for Signs of Hail Damage—But Don’t Assume the Worst
- Check for obvious signs like missing, cracked, or bruised shingles—again, only from the ground.
- Look for granules from asphalt shingles collecting in your downspouts or on your driveway.
- Inspect your attic for leaks or wet spots, especially after the next rain.
- Notice if neighbors are dealing with broken skylights or siding—hail can be highly localized.
Even if you spot a few granules or a minor dent, most roofs in Frisco are built to withstand typical hail. Small issues may not actually compromise your roof’s ability to protect your home.
When to Call a Professional—and Who to Trust
If you’re unsure, get a professional opinion before calling your insurer. At Texan Roofworks, our team handles residential roof inspections in Frisco and can tell you honestly if you have damage worth filing a claim for. We use an AI-powered drone for a free inspection, providing a same-day written report—no obligation.
Why not call just any roofer? Because some will push you to file a claim even when you don’t need to. At Texan Roofworks, we tell you straight: if your roof is still in good shape, we’ll say so. About half the time, the honest answer is that you shouldn’t file a claim at all.
What Happens If You Do Have Hail Damage?
If our inspection finds damage worth addressing, we’ll walk you through next steps. Hail can impact your roof’s integrity, so timely repairs matter. Check out our hail damage repair page for details on how we restore roofs after storms—from small fixes to full replacements when required.
If you need to file a claim, we can help you gather everything you need for your insurance company. Our insurance claim help page explains how we support homeowners in Frisco throughout the process, from documentation to meeting your adjuster on-site. We’re fully insured, EagleView certified, and have a verifiable Texas license, so you get expertise you can verify.
Why Not File a Claim Right Away?
- Claims stay on your record, even if they’re denied.
- Minor cosmetic damage may not qualify for coverage, but the claim can still affect your policy.
- Filing a claim when there’s no real damage can slow down the process if you ever have more serious issues later.
- Some insurers may raise premiums after a claim, even if they don’t pay out.
The bottom line: Filing a claim is a big decision. Make it with the right information—not just after seeing a few dents.
What If You Wait Too Long?
Most insurance policies have strict time limits for hail claims, but you don’t need to rush. Take a couple of days to document, get a professional opinion, and decide. Don’t wait months, though—damage that turns into leaks later can complicate the claim process.
Common questions
- How do I know if hail actually damaged my roof?
Only a close inspection—ideally with a drone or by a qualified pro—can confirm real damage. Granules in gutters or a few dents in vents don’t always mean you need repairs. Get it checked before you file a claim. - Can I inspect my roof myself after a hailstorm?
You can safely check from the ground for missing shingles, dented vents, or leaks inside your attic. Don’t get on your roof; call a pro for a close-up inspection if you see anything suspicious. - Should I call my insurance company right after hail hits?
Not immediately. Document everything first and get a professional inspection. Filing a claim without clear damage can lead to unnecessary complications or higher premiums. - What happens if my roof looks fine but leaks later?
If leaks develop after a hail event, document the new damage and call for another inspection. You may still have time to file, depending on your policy. Keep all photos and records from the original event. - How does Texan Roofworks inspect for hail damage?
We use an AI-powered drone for a free roof inspection, delivering a same-day written report. This lets us spot even subtle hail impacts and give you an honest assessment about your roof’s condition.
Next Steps: Free Inspection, No Pressure
If you’ve just had hail in Frisco, don’t guess. Let Texan Roofworks provide a free, no-obligation AI drone inspection and detailed report. We’ll help you make the right call—no pressure, no sales pitch. Call (972) 584-7849 to schedule today.