Wind and Hail Claims: What Homeowners Should Expect

Storm season brings high claim volume

Wind and hail are among the most common property claims in many parts of Texas and other storm-prone regions. Roofs, siding, fences, screens, and outdoor structures are frequent loss points.

How these claims usually work

After a storm, an adjuster may inspect for impact marks, missing shingles, lifted flashing, or damaged vents. Carriers look at whether damage is from a covered storm event versus wear, age, or prior unrepaired damage.

Deductibles can be different

Some policies use a standard deductible; others use a percentage deductible for wind/hail (especially in coastal or high-risk areas). Know which one you have before storm season.

Documentation tips

• Take dated photos of your roof and exterior after major storms
• Note the storm date and keep weather reports if available
• Avoid signing blank work orders with door-to-door storm chasers
• Ask your agent before authorizing major roof work

Prevention and readiness

• Keep trees trimmed away from the roof line
• Secure outdoor items before severe weather
• Schedule roof inspections after large hail events
• Confirm dwelling and other structures limits are current

Get storm-ready coverage guidance

Tan's Agency helps homeowners compare carriers and deductibles. Guided homeowners assessment · 469-269-6539