Hail Damage Roof Insurance Claims in Central Texas: A Homeowner's Guide

If hail just hit your roof, here's the short version: document the storm, get a free professional inspection, and file your claim — in Texas you have two years from the storm date to do it. Your policy likely has a separate wind-and-hail deductible of about 1–2% of your home's insured value. We inspect for free and can help with the claim. Call (737) 320-3400.

How bad is hail in Pflugerville, really?

Bad enough that it is worth knowing the numbers. The NOAA Storm Prediction Center has recorded 164 hail reports within ten miles of Pflugerville since 2004. The largest measured four inches — grapefruit. Aggregators that score these records rate the area’s hail frequency very high.

The risk is not spread evenly through the year, and knowing the shape of it helps you decide when to look at your roof:

April throws the most hail at Pflugerville. September throws the biggest. That is why the storm everyone here remembers happened in September.

What happened in Pflugerville on 24 September 2023?

It was the costliest hailstorm in Austin-area history. The National Weather Service estimated roughly $600 million in losses across the Austin area, split about evenly between Travis County and Williamson County — around $300 million in Travis County, where Pflugerville sits. For scale, the NWS puts the next-costliest Austin-area hailstorms at $160 million in 2009 and $125 million in 1993.

Pflugerville was inside that storm, not next to it. At 9:20 PM a three-inch hailstone was reported 1.3 miles from the city center. Five minutes later, quarter-sized hail 0.7 miles out. Seven miles north in Round Rock, stones reached four inches. Forty of Pflugerville’s fifty-one hail reports for all of 2023 came from that single evening.

If your roof was on the house that night and has never been inspected, it is worth knowing that the two-year Texas filing window for that storm closed in September 2025. An inspection can still tell you what shape the roof is in — it just will not be that particular insurer’s problem any more.

What should I do after a hailstorm hits my roof?

Start calm and in order. First, note the date of the storm and take photos of any obvious damage. Don't climb up yourself — get a free professional inspection to find the damage that isn't visible from the ground. If there's real damage, file your claim with your insurer and keep records of everything. A roofer who knows the area can document the damage properly and make the whole process smoother.

How does the roof claim process work?

In short: inspection, claim, adjuster, repair. Here's the whole sequence:

How long do I have to file a roof claim in Texas?

Texas law generally gives you two years from the date of the storm to file a claim. Locally, that means the 28 May 2025 hail and the May 2026 storms are still inside the window, while the September 2023 storm closed in September 2025. Don't wait on the ones that are still open — the longer you leave documented storm damage, the harder it can be to tie it to a specific event, and small problems get worse and more expensive.

How much is my wind and hail deductible?

In Texas, most homeowner policies carry a separate wind-and-hail deductible, and it's usually a percentage of your home's insured value — commonly 1% to 2% — rather than a flat dollar amount. On a home insured for $400,000, a 1% deductible is $4,000. It's worth checking your policy before you file so you know what you'd owe out of pocket versus what a repair or replacement would cost.

Will insurance pay to upgrade to a metal roof?

It depends on your current roof. If you already have metal and it's damaged, your policy generally covers replacing it in kind. If you have shingles and want to upgrade to metal after a claim, insurance typically pays what it would cost to replace the shingles, and you pay the difference for the metal upgrade. Either way, a free inspection and a clear estimate tell you where you stand. See what a metal roof costs in Pflugerville.

Do you help with the insurance claim?

Yes. We provide a free, documented inspection, give you the photos and details your insurer needs, and can meet your adjuster on-site so the damage is assessed fairly. We can't guarantee what your insurer will decide — no honest roofer can — but we make sure the damage is properly seen and recorded. See our metal roof repair services.

This guide is general information for Central Texas homeowners, not legal or insurance advice. Your policy terms control what's covered — check with your agent or insurer about your specific situation.

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