Hailstorms don’t politely knock.
They barge in like unwanted guests, leaving your roof bruised, your fence battered, and your nerves frayed.
If you’re a homeowner in Frisco or anywhere in North Texas, chances are you’ve Googled things like “hail damage insurance claim Texas” or “how to avoid roof repair scams Texas” more times than you’d like to admit. You’re not alone.
Let’s walk through the aftermath together — no fear, no fluff.
Just facts, smart tips, and the kind of real-talk guidance you wish came standard with every homeowners policy.
Here’s What People Are Saying About The Agent’s Office®
Hail Hits Hard in North Texas
North Texas is hail country.
According to the National Oceanic and Atmospheric Administration (NOAA), Texas consistently leads the nation in hail-related insurance claims. In 2023 alone, over 688,000 hail loss claims were filed in Texas, with a sizable chunk coming from Collin, Denton, and Dallas counties.
And when it hits?
It’s not just a ding or dent. We’re talking cracked shingles, punctured siding, smashed AC units, and water intrusion. That means real damage—and real money.
Quick Stats:
- Average hail claim payout in Texas: $12,000+ (Insurance Information Institute)
- Peak hail months in Frisco and North Texas: March – June
- Common materials affected: Asphalt shingles, skylights, gutters, HVAC systems
So yes, your neighbors are also calling roofing contractors and insurance agents. It’s a race against time.
First Things First: Don’t Panic, Document
After the storm passes:
- Take Photos and Videos: Capture everything—roof, windows, vehicles, attic leaks.
- Date It: Use your phone’s timestamp. This helps validate when the damage occurred.
- Keep Damaged Items: If it’s safe, store damaged gutters, broken shingles, or screens.
- Prevent Further Damage: Tarp your roof or board up windows to avoid more issues.
You have the right to protect your home without waiting for adjuster approval. Just keep receipts.
Step-by-Step: How to File a Hail Damage Insurance Claim in Texas
1. Call Your Agent First
Not a 1-800 number. Your actual local agent.
Someone who knows Frisco. Someone who knows hail. Someone like our team at The Agent’s Office®.
We walk you through the policy, your deductibles, timelines, and help you avoid common claim mistakes.
2. Schedule a Roof Inspection
BUT—not just with any roofer.
Choose a licensed, insured, and reputable roofer. Texas doesn’t require roofers to be licensed, so you must ask the right questions:
- Are you bonded and insured?
- Do you offer written estimates?
- Will you work with my insurance adjuster?
We maintain a vetted list of North Texas contractors we trust. Just ask.
3. Meet with the Adjuster
Your adjuster represents the carrier—not you.
That’s why it helps to have a roofing professional or even a public adjuster present.
4. Review the Settlement Offer Carefully
Sometimes it’s fair. Sometimes it’s… not.
We help our clients review their scope of loss and determine if supplemental claims or re-inspections are necessary.
Roofing Scams in Texas: What to Watch Out For
Hail brings more than ice.
It brings storm-chasers.
They show up with clipboards, promises, and out-of-state plates. And if you’re not careful, they’ll leave with your money and your peace of mind.
Top 5 Roof Repair Scams in Texas
- Upfront Payment Demands: Never pay in full before work begins.
- No Written Contract: If it’s not in writing, it doesn’t exist.
- Vague Damage Assessments: Be wary of roofers who offer a quote without even climbing on the roof.
- Deductible Forgiveness Offers: This is illegal in Texas (TX HB2102).
- Out-of-State Contractors: They often disappear after the work is done—or half done.
Pro Tip: You can verify contractors via the Better Business Bureau or Texas Department of Insurance.
Understanding the Texas Deductible Law (HB 2102)
Signed into law in 2019, HB 2102 makes it illegal for contractors to waive, absorb, or rebate your deductible on a homeowner’s insurance claim. This law was designed to curb widespread fraud and protect both consumers and insurance carriers from shady business practices that artificially inflate repair costs.
Here’s the catch: waiving deductibles was once a common marketing tactic in Texas. Many homeowners grew used to hearing, “Don’t worry about your deductible—we’ll handle it.” But that practice, while normalized, is now explicitly illegal. Violators can face fines up to $2,000 and even jail time.
It doesn’t matter how nicely it’s phrased—whether it’s “we’ll discount your deductible” or “we’ll eat the cost”—it’s still a violation of Texas law. And if you’re caught participating (even unknowingly), your claim could be denied or delayed as a result.
So if someone promises to “cover your deductible,” treat that as a bright red flag. Thank them for their time, and walk away. Then, if you feel comfortable, report it to the Texas Department of Insurance or the Better Business Bureau. It helps protect others in your community from falling into the same trap.
Common Hail Claim Questions (And Quick Answers)
Q: How long do I have to file a hail claim in Texas?
A: Most policies give you 1 to 2 years, but sooner is better. Carriers often require “prompt notice.”
Q: Will my premium go up after a hail claim?
A: Possibly. But not always. Hail is typically considered an “act of God,” so you may not be penalized like you would for at-fault claims.
Q: What if I already got the roof repaired?
A: Submit all receipts, before/after photos, and contractor info. You can still file a claim, but your payout may be affected.
Q: What kind of coverage do I need for hail?
A: Look for replacement cost value (RCV) vs actual cash value (ACV). RCV pays to fully replace, not just depreciated value.
Proactive Protection: What to Do Before the Next Storm
- Annual Roof Inspection: Catch small issues before they turn big.
- Review Your Policy: Know your deductible and exclusions.
- Add Endorsements: Some policies let you boost hail coverage for a small premium.
- Bundle Your Coverage: The Agent’s Office® helps you bundle home, auto, and even umbrella coverage with top-rated A+ carriers in Texas.
The Local Advantage: Why Frisco Homeowners Trust The Agent’s Office®
We’re not a call center. We’re your neighbors.
We know the roofing companies that stick around and the adjusters that play fair. Our team of licensed professionals helps you file clean claims, avoid delays, and get every penny you’re entitled to.
We partner with A+ rated carriers that actually pay when it counts. That’s the kind of coverage you need when hail turns your roof into Swiss cheese.
Get a hassle-free quote today.
Our experts make securing life insurance easy and informative.
Final Thoughts: When the Ice Melts, Don’t Get Burned
Spring storms don’t last forever, but the wrong contractor can leave you hurting for years.
A hail damage insurance claim in Texas doesn’t have to be confusing. With the right guidance, you protect your home, your money, and your sanity.
Need help? Our team at The Agent’s Office® is here to answer your questions, review your policy, or just lend an ear after a wild storm season.
Stay safe, stay smart, and don’t settle for less.
Disclaimer: Information in this article is based on publicly available data and general best practices. Always consult your policy and a licensed agent to confirm coverage, exclusions, and legal compliance. Rates, laws, and processes may change. For current updates, visit the Texas Department of Insurance.
