Houston gets hit by hail, damaging winds and tropical storms. If your roof was damaged, acting quickly protects your home and your insurance options. See also the Houston roofing companies directory.
How do I know if my Houston roof has hail damage?
Hail damage shows up as dented vents, flashing and gutters, bruised or cracked shingles, granules collecting in downspouts and new ceiling stains. It is often hard to see from the ground, so a roofer’s inspection is the reliable check. Stay off the roof and photograph what you can from the ground.
Last updated: November 11, 2026 · Published by Houston Roofer Directory
Signs of hail and wind damage
- Dents or dings on vents, flashing, gutters and AC units
- Bruised or cracked shingles and exposed fiberglass mat
- Granules collecting in gutters and downspouts
- Lifted, creased or missing shingles after wind
- New water stains on ceilings or walls
What to do after a storm
- Stay off the roof. Take photos from the ground and from inside the attic.
- Protect the home from further damage, for example with a temporary tarp, and keep receipts.
- Book a roof inspection from a reputable local roofer.
- Read your policy for the deductible and the claim deadline.
- Contact your insurance company to open a claim if the damage justifies it.
Does homeowners insurance cover hail damage in Texas?
According to Germania Insurance, most Texas homeowners policies cover hail damage, with the exception of certain coastal areas. Coverage, deductibles and claim deadlines differ by policy, so read yours and ask your insurer before you sign anything with a roofer.
Watch out for storm chasers
After big storms, out-of-town crews often go door to door. Be wary of anyone who demands a large deposit, pressures you to sign right away or offers to cover your insurance deductible. Ask your insurer what Texas rules apply to your claim. This page is general information, not legal or insurance advice.
Source: Germania Insurance, How to identify roof damage after a Texas hail storm.