Will filing a claim raise my premium?

A single weather-related claim is categorized as a catastrophic, non-fault loss in Texas, so it typically does not raise your individual premium. Carrier-wide rate adjustments after major storm seasons are a separate matter that affects everyone in the area regardless of whether you filed.

What if my claim is denied?

Denials are not always final. We can re-inspect with a public adjuster, supply additional documentation including manufacturer specifications and weather data from the loss date, and meet your adjuster on site. You and your agent handle the appeal.

Do I have to use my insurance company's preferred contractor?

No. Texas law gives you the right to choose any contractor. Insurance preferred-vendor programs exist for the carrier's convenience, not yours, and often involve scope reductions that benefit the carrier rather than you.

What does my deductible actually cover?

Your deductible is the amount you pay out of pocket before insurance covers the rest. On a typical $18,000 storm-damage roof replacement with a 1% deductible on a $400,000 home, you'd pay $4,000 and the carrier covers the rest. We never absorb or waive deductibles — that's insurance fraud in Texas.

How much will I have to pay out of pocket?

On an approved claim, your only cost is your deductible plus any code upgrades the carrier doesn't cover. We provide a clear, written breakdown before any work begins so there are no surprises at completion.

Storm & Hail Damage Repair

Storm & Hail Damage Roof Repair in North Texas

One storm can cost you a roof. Or a claim window.

North Texas hail and straight-line wind don't always cause obvious damage. By the time a leak appears, your insurance window may have already closed. Our storm response team is in the field within 24 hours of a major event.

Request a Storm Inspection (940) 497-2833

24-Hour Response/Adjuster-Ready Documentation/Emergency Tarping/We Meet Your Adjuster

Know What to Look For

Most hail damage doesn't look like damage.

The Texas insurance window for storm claims is typically one year from the date of loss. Knowing what to look for — and getting a documented inspection on the record — protects your eligibility.

Visible from the ground

Dented or bruised metal vents, flashing, and gutter aprons
Granules collecting in gutters or downspout splash blocks
Soft, spongy spots when shingles are pressed
Circular dark marks on shingles where granules are missing
Cracked or split shingles, especially on south-facing slopes
Damaged window screens, AC fins, fence boards, or patio furniture

Hidden until it leaks

Compromised shingle adhesive that lifts in the next windstorm
Hairline fractures in the underlayment that leak months later
Water intrusion above ridge vents or skylight curbs
Loosened nail heads from impact-caused mat tension
Bruising visible only at low-angle morning or evening light
Damaged chimney flashing and pipe boots

See any of these after a recent storm? A free, documented inspection takes about an hour and protects your claim window.

Storm Response Process

Six steps. From the call to the claim.

Call Within 24 Hours

After a hail or wind event, call us. We log the storm date, your address, and dispatch the next available inspector. Same-week appointments are standard.

Free On-Site Inspection

Our inspector walks the roof, flashing, gutters, and accessories, and tells you exactly what we found — at no cost. When a claim is involved, we document the damage with photos and a written scope for your adjuster.

Adjuster-Ready Documentation

We photograph every impact, measure hail size, log slopes, and prepare a Xactimate-compatible scope your insurance carrier already understands.

We Meet Your Adjuster

When your carrier sends an adjuster, we're on the roof with them. Missed damage gets logged. We walk through the documented damage together on site.

Emergency Tarping if Needed

Active leaks can't wait for a settlement. We tarp first, document second, and we give you photos and a written scope for your records.

Repair to Scope

Once the claim settles, our crews replace damaged sections — or the full roof — to manufacturer specifications, with magnetic nail sweeps and a clean job site every day.

Insurance Claims

Answers about the claims process.

Most Texas homeowner policies give you one year from the date of loss to file a hail or wind damage claim. After that window closes, the claim is typically barred regardless of the damage. Getting a documented inspection on the record early is the simplest way to protect eligibility.

Storm Work

The kinds of storm work we do across North Texas.

DKG roofing crew working on a residential job site

Storm Repair|Hail

Hail damage replacement with photo documentation

Storm Repair|Wind

Emergency tarping and full reroof after wind events

Storm Repair|Impact-Resistant

Class 3 or higher impact-resistant shingle upgrades

Storm Repair|Insurance

Written repair scopes with adjuster meetings

Storm Repair|Wind

Wind-uplift repair and ridge cap replacement

Storm Repair|Storm

Impact-resistant storm replacement systems

From Storm Customers

Reviews from our storm-response work.

"I had an excellent experience with this roofing company. I needed some help after a storm, and they provided quick and reliable roofing repair. Their team was professional, showed up on time, and explained everything clearly. Since the damage was more than expected, I decided to go for a full roof replacement, and they made the whole roof installation process smooth and worry-free. As someone who often works with homes, I can say they are a best roofing contractor you can trust. If you are looking for a skilled and honest roof replacement contractor, these are the right people to call."

George Edward — a year ago

Storm hit? Get on the schedule.

Free post-storm roof inspection. When a claim is involved, we document damage with photos, write a scope, and meet your adjuster on site. You file and own the claim.

Active leak right now?(940) 497-2833

Call directly for emergency tarping. After-hours response available for active leaks across our service area.

24-hour storm response across DFW

We document the damage and meet your adjuster

Texas — North

Texas — East / Central