Who this page is for
This page is for Dallas-Fort Worth homeowners who had hail or high wind and want to know what it did. You may have seen hailstones in the yard. You may have a new leak or a neighbor getting a new roof.
You do not need to know whether your roof is damaged before you call. That is what the inspection is for. A hail damage roof is not always visible from the ground.
It is also for homeowners who want a calm, documented answer. We keep sales pressure out of it. We show you photos, and you decide what to do next.
What to do after hail
The Texas Department of Insurance gives homeowners clear advice after hail or windstorms. In short:
- File a claim as soon as you can, if you plan to file one.
- Get more than one bid.
- Check references and Better Business Bureau complaints.
- Never sign a contract with blank spaces.
- Do not pay in full up front.
We agree with all of it. Get another bid and compare it with ours, line by line. A written, itemized estimate makes that easy.
What we check and do, step by step
- You book a free photo inspection. There is no charge, and you keep the report whether or not you hire us.
- We photograph the whole roof. That means every slope, plus flashing, vents, pipe boots, ridge caps and any soft decking.
- We take measurements. We inspect and document storm damage with photos and measurements.
- We walk you through the photos. We show you what we found before we recommend anything. Sometimes the answer is that the roof is fine.
- You get a written, itemized estimate. We give you a written, itemized estimate you can share with your insurer.
- You decide whether to file a claim. You file the claim. Your insurer decides coverage and the amount. We build the roof.
- We can meet the adjuster. We can meet your insurance adjuster on the roof to point out the damage we found and review our estimate and technical details.
- We repair or replace the roof. You get dated photos of tear-off, decking, underlayment, flashing and final cleanup.
No payment is due until materials are delivered and work begins.
Materials and options
What happens after the inspection depends on what the photos show. There are three common outcomes.
No work needed
Sometimes hail falls and the roof holds up. If the photos show no damage, we tell you that. You keep the report for your records.
Storm damage roof repair
If damage is limited to one area, a repair may be enough. Roof repair is priced as a free estimate, in writing, with each line listed. Read more on our roof repair page.
Full replacement
If damage is widespread, we quote a roof replacement. Every replacement quote leads with a Class 4 option. Class 4 is the highest impact rating under the UL 2218 test.
A Class 4 roof can lower your homeowners insurance. Each insurer sets its own discount and paperwork. Our impact-resistant Class 4 shingles page explains the details.
Insurance-funded work follows your insurer's approved scope. If you want something outside that scope, ask us for a written line-item price.
The proof you get
After a storm, many people will tell you what your roof needs. We would rather show you. If we recommend it, we show you the photo.
- Photo inspection reportEvery inspection ends with a photo report you keep. Good and bad.
- Written line-item quotesEvery material and labor line in writing. No lump sums.
- Install photosDated photos of tear-off, decking, underlayment, flashing and cleanup.
- Local and owner-ledVictor owns the company and answers for every job.
- General liability insuranceCertificate on request.
See a sample inspection report and a sample line-item quote.
When hail hits Dallas-Fort Worth
Hail here has a season. Our numbers come from preliminary National Weather Service reports of hail 1 inch or larger. They span Collin, Dallas, Denton, Rockwall and Tarrant counties, from 2015 through September 2026.
March through June held 88.6% of those reports. April alone held 30.5%, and March held 24.0%. September brings a smaller bump, at 4.4%.
Tarrant County had the most reports of the five counties in each year from 2023 through 2026. These counts measure reported hail. Reports rise where more people live, so treat them as a guide.
Notable hail days in National Weather Service reports
- June 12, 2023. 41 reports, with hail up to 4.25 inches. Flower Mound, Frisco and Rockwall were among the areas named.
- May 28, 2024. 65 reports, the largest day in the data. Arlington and northeast Tarrant County were hit.
- March 26, 2025. 22 reports, including Allen, McKinney and Plano.
- Early June 2025. 41 reports over two days in south Tarrant County.
- Late April 2026. 45 reports around Fort Worth and Arlington. A second storm days later brought 28 reports, including Richardson, Keller and Southlake.
Report dates use universal time, so an evening storm can show up a day later. If your home was near one of these storms, a photo inspection gives you a record of the roof's condition.
How insurance fits in
We keep the roles clear, because Texas law does. You file the claim. Your insurer decides coverage and the amount. We build the roof.
Many storm-damaged roofs are covered by homeowners insurance. Your insurance company decides coverage. We do not make that decision, and we do not speak for you with your insurer.
Here is what we do on an insurance-funded roof:
- We inspect and document storm damage with photos and measurements.
- We give you a written, itemized estimate you can share with your insurer.
- We can meet your insurance adjuster on the roof to review technical details.
- We build the roof and photograph each stage.
Our insurance claims page walks through the full process in Texas.
Your deductible
Texas law requires you to pay your deductible. We give you an invoice and receipt showing it was paid.
Many North Texas policies now carry a 2% wind and hail deductible. Check the declarations page of your own policy for your number. Your insurer may ask for proof that you paid it.
Be careful with any contractor who offers a way around the deductible. The Texas Department of Insurance says that is illegal.
Payment and your right to cancel
No payment is due until materials are delivered and work begins. That is our policy on storm work.
If you sign a contract at your home, Texas law lets you cancel until midnight of the third business day. Your contract includes the cancellation form.
A local company
Palomino Roofing & Exteriors is local and owner-led. Victor, the owner, leads the company. We serve Collin County, North Dallas, Fort Worth and Tarrant County, and you can see the areas on our locations page.
Texas does not license roofing contractors at the state level. That makes written proof more important. Ask every roofer you talk to for photos, a line-item quote and a written warranty.
Your next step
Book a free photo inspection, or learn what the visit includes on our roof inspection page. You can view a sample inspection report before we arrive.