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Texas Hail Damage: What to Do Before the Insurance Inspection
After a Texas hailstorm, start with safety—not a trip onto the roof. Wait until the storm has passed, then check for damage from the ground while staying clear of broken glass, downed power lines, and unstable tree limbs. If you notice sagging ceilings or water near electrical fixtures, keep people away from the area and seek qualified help.
Document what you can safely see before cleanup or temporary repairs. Take wide photos showing each affected area, followed by close-ups of damage to windows, siding, gutters, outdoor equipment, and interior ceilings or walls. Record the storm date and when you first noticed the damage, and keep original photos and videos in a backed-up folder. Avoid climbing onto the roof; a qualified professional can document areas you cannot safely reach.
Take reasonable steps to prevent additional damage, such as moving belongings away from leaks and catching dripping water. For roof tarping or broken-window protection, use a qualified professional rather than risking an injury. Photograph conditions before and after the work, and save receipts for materials and emergency services. Coverage for those costs depends on your policy and the circumstances, so do not assume every expense will be reimbursed.
Notify your insurer promptly and ask how to submit your documentation and arrange the inspection. Write down your claim number, the contact information for the person handling it, and any instructions or deadlines you receive. Review your policy for the wind and hail deductible and any roof-specific coverage terms, and ask for explanations of anything unclear.
Prepare a simple damage list for the inspector, including leaks, damaged exterior features, and affected belongings. Gather any pre-storm photos, maintenance records, temporary-repair receipts, and written contractor observations that may help establish the property's condition. Avoid permanent repairs before the insurer has had a reasonable opportunity to inspect when possible, but do not delay urgent measures needed to prevent further damage. Ask your insurer how to preserve evidence if damaged materials must be removed.
Plan to attend the inspection if possible so you can point out the areas you documented and explain when problems appeared. Ask what the next steps are, whether additional information is needed, and when you should expect the written estimate or coverage decision. If you would like help understanding your documentation or an insurer's estimate, Catastrophe Loss Consultants offers free claim reviews for Texas property owners.