What To Do After Hail Damage: A Complete Guide for Abilene Homeowners

The sound of hail hitting your roof is unmistakable—and stressful. In Abilene, it's not a matter of "if" but "when." Once the storm passes, many homeowners are left wondering: Is my roof damaged? Do I call insurance first? Can I wait?

Panic often leads to mistakes. We've seen homeowners sign contracts with "storm chasers" who disappear halfway through the job, or file claims too late and get denied.

This guide is your tactical playbook for the 48 hours after a storm.

Step 1: Immediate Safety & Assessment

Wait until the storm has completely passed. Do not go outside while hail is falling or lightning is present. Once it's safe:

• Check the ground: Look for shingle granules in your downspouts or on the driveway. Look for pieces of shingles in the yard.
• Check collateral damage: If your mailbox, fence, window screens, or car have dents, your roof almost certainly does too.
• Look for leaks indoors: Check your attic and ceilings for new water spots.

Step 2: Document Everything

Before you call anyone, take photos. This evidence is crucial if there are disputes later.

Step 3: Call a Local Roofer BEFORE Insurance

This is the most common mistake homeowners make. They call their insurance adjuster first.

Why call a roofer first?

If you file a claim and the damage isn't significant enough to exceed your deductible, you've filed a "zero payout" claim that still goes on your record. A reputable local roofer will give you a free inspection and tell you honestly if it's worth filing a claim.

Note: Avoid "storm chasers"—out-of-town companies that knock on doors immediately after a storm. Stick to established Abilene businesses with a physical local address.

Step 4: The Insurance Process

If your roofer confirms significant damage, here is the workflow:

1. File the Claim: Call your insurance provider. Give them the date of loss (storm date).
2. Adjuster Meeting: An insurance adjuster will be sent to inspect. Crucial: Have your roofer present at this meeting. Your roofer acts as your advocate, pointing out damage the adjuster might miss.
3. Scope of Loss: You will receive a document detailing what the insurance will pay for. We review this to ensure it covers all necessary code upgrades and materials.
4. The Work Begins: Once approved, we schedule the replacement. You typically pay your deductible, and insurance covers the rest.

Why Timing Matters

Most insurance policies have a time limit for filing claims (often 1 year). However, waiting allows minor damage to become major leaks. Small bruises in shingles lead to granule loss, which exposes the asphalt to the sun, leading to cracks and water intrusion.