Will Insurance Cover Hail Damage to Your Roof in Katy, Texas?

Hailstorms are a frequent concern for homeowners in Katy, Texas, especially during spring and early summer. Storms that bring hail can quietly damage your roof, even if there are no visible leaks right away. Understanding how hail impacts roofs in this area — and how insurance typically responds — helps homeowners take confident action after a storm.

What Causes Roof Damage in Katy, TX?

Katy’s weather patterns include severe thunderstorms with hail and strong winds that can weaken roofing materials. Hail can crack shingles, knock off protective granules, and bruise underlying layers. This type of damage may not cause immediate leaks but can shorten a roof’s lifespan over time, especially with prolonged exposure to Texas heat.

How to Know If You Have Hail Damage

After a hailstorm in Katy, homeowners may notice signs such as granules collecting in gutters or downspouts, dents on metal vents or flashing, and shingle spots that look darker, cracked, or uneven. Even without visible leaks, these warning signs suggest that a closer inspection may be needed.

Does Homeowners Insurance Typically Cover Hail Damage?

Yes. Most standard homeowners’ insurance policies in Texas cover hail damage under dwelling coverage. Homeowners are usually responsible for their deductible, which may be separate for wind and hail events. Coverage ultimately depends on the type of damage and the specific terms of the policy.

What to Do After a Hailstorm

After a hailstorm, homeowners should document any visible damage with photos or videos, review their insurance policy for deductibles and coverage details, contact their insurance company to open a claim, attend the insurance adjuster inspection, and consider a professional roof inspection to identify damage that may not be immediately visible.