The 48 hours after a major hail event are critical. What you do — and don't do — in that window determines whether your claim is approved, denied, or shortchanged by thousands of dollars.
Same-day availability. We document your damage before anything else gets touched.
Call 469-679-9336Document everything from ground level first. Gutters, downspouts, window screens, AC units, siding, and vehicles — all of these show hail impact and support your claim. Dents in gutters and AC fins are some of the easiest damage to document and hardest for adjusters to dispute. Do not climb on a wet or damaged roof.
Get a professional inspection completed before you file your claim. You need to know the full scope of your damage before you talk to your adjuster. An inspector who knows what storm damage looks like will find things you won't — granule loss, cracked decking, compromised flashing. Coker provides free same-day inspections across DFW.
Now that you have documentation and a contractor's assessment, call your insurance company and file. Get your claim number and the adjuster's contact information. Ask for the earliest available adjuster visit. Tell them you have a contractor who will be present during the inspection.
If your roof is actively leaking, temporary tarping is appropriate and covered under most Texas homeowner policies as mitigation. Keep all receipts for any temporary repairs. Do not make permanent repairs until your claim is approved — doing so can complicate or void coverage.
After every major DFW hail event, out-of-state roofing crews flood the area. They knock doors within hours, pressure homeowners to sign immediately, and disappear after the job — leaving you with no warranty and no recourse. Always verify your contractor is licensed in Texas, has a local address, and carries general liability insurance before signing anything.
Most homeowners can't see meaningful hail damage from the ground. What you're looking for on a shingle roof: circular impact marks with missing granules exposing the asphalt mat underneath. On a 2,000 square foot roof, a hail event that produces 1-inch stones will typically create 100–400 individual impact points. Each one is a potential failure point for water infiltration.
Gutters and downspouts tell the same story — dents from hailstones are circular, consistent in size, and randomly distributed. That pattern is what distinguishes hail damage from general wear in an adjuster's assessment.
If the damage is isolated to a small section of a newer roof, repair may be appropriate. But if your roof is over 10 years old or the damage covers more than 30% of the surface, full replacement is almost always the right call — and the most cost-effective option when insurance is involved.
A good contractor will tell you straight which situation you're in. Be cautious of any contractor who recommends full replacement on a roof with minimal damage, or repair on a roof that's clearly at end of life.
Same-day availability across DFW. No obligation. We'll tell you exactly what you're dealing with.
Call 469-679-9336