Free inspection and Texas claim steps
Hail Damage Inspection and Insurance Claims in San Antonio
Red Roan Construction, a Boerne roofer that serves San Antonio within its South Texas service area, inspects hail-struck roofs for free and writes up every finding in a report with photos. You file the claim with your own insurer, and Texas law keeps the roofer doing the work out of the adjuster's chair. NOAA logged 383 hail reports of 1 inch or larger across Bexar, Comal, Kendall and Guadalupe counties from 2015 to 2025, and 355 of them, 92.7 percent, came in March, April and May.
Three people touch a hail claim, and each has a different job. Here is who does what, then a count of when the big hail has fallen.
Reviewed by Red Roan Construction,
Who Does What in a Hail Damage Inspection and Claim?
You own the roof and you file the claim. Your insurer sends an adjuster, and the adjuster, not the roofer, decides what the policy pays. A roofer inspects the roof, documents what is there and, if you hire one, does the work. Those jobs stay separate. The Texas Department of Insurance points to Insurance Code 4102.163, which bars anyone who provides or may provide contracting services on a property from acting as a public adjuster or advertising to adjust claims on it.
Red Roan Construction handles the inspection and the report. The visit is free for homes in San Antonio and Boerne, it ends in a written report with a photograph behind every significant finding, and the report is yours whether or not you hire us. Nothing in it obliges you to book a repair or replacement. What the insurer decides about the claim is between you and the insurer.
| Who | Does | Does not |
|---|---|---|
| You | Own the roof, file the claim, choose the contractor | Have to hire the roofer who inspected |
| Your insurer | Sends the adjuster, decides what the policy pays | Choose your contractor |
| Red Roan Construction | Inspects free, photographs, writes the report | Adjust or negotiate the claim |
When Does Large Hail Fall Around San Antonio?
Large hail here is a spring event. Of the 383 reports of 1 inch or larger, April alone holds 185, or 48.3 percent, and March through May hold 355, or 92.7 percent. Only 28 reports, 7.3 percent, fall in the other nine months. NOAA has none in July, August, September and October anywhere in the four counties across the eleven years.
The pattern holds county by county but not equally. Bexar County puts 94 percent of its 248 reports in March to May, and Guadalupe County puts 85.7 percent of its 28. Guadalupe County has 3 of its 28 reports in November through February, where Bexar County has 3 of its 248. Across all four counties those four months add up to 8 reports, so damage found in January is a different question from damage found in April.
Bexar County has the most: 45 separate days with a report of 1 inch or larger in eleven years, about 4.1 a year. A county-day is one county with one or more such reports on one date. Counting the four counties together, there are 100 county-days, and the peak month is April.
- Reports of 1 inch or larger
- 383
- In March to May
- 92.7 percent
- April alone
- 185
- County-days
- 100
Hail Reports of 1 Inch or Larger by Month, 2015 to 2025
| Month | Bexar | Comal | Kendall | Guadalupe | Four counties | Share of the four |
|---|---|---|---|---|---|---|
| January | 1 | 0 | 1 | 0 | 2 | 0.5 percent |
| February | 1 | 0 | 1 | 0 | 2 | 0.5 percent |
| March | 37 | 18 | 6 | 6 | 67 | 17.5 percent |
| April | 132 | 31 | 12 | 10 | 185 | 48.3 percent |
| May | 64 | 11 | 20 | 8 | 103 | 26.9 percent |
| June | 12 | 5 | 2 | 1 | 20 | 5.2 percent |
| July | 0 | 0 | 0 | 0 | 0 | 0 percent |
| August | 0 | 0 | 0 | 0 | 0 | 0 percent |
| September | 0 | 0 | 0 | 0 | 0 | 0 percent |
| October | 0 | 0 | 0 | 0 | 0 | 0 percent |
| November | 0 | 0 | 0 | 2 | 2 | 0.5 percent |
| December | 1 | 0 | 0 | 1 | 2 | 0.5 percent |
| All twelve months | 248 | 65 | 42 | 28 | 383 | 100 percent |
| March to May | 233 | 60 | 38 | 24 | 355 | 92.7 percent |
The Same Count, County by County
| County | Reports of 1 inch or larger | In March to May | Spring share | Peak month | Days with a report | Days a year |
|---|---|---|---|---|---|---|
| Bexar | 248 | 233 | 94 percent | April, 132 | 45 | 4.1 |
| Comal | 65 | 60 | 92.3 percent | April, 31 | 24 | 2.2 |
| Kendall | 42 | 38 | 90.5 percent | May, 20 | 17 | 1.5 |
| Guadalupe | 28 | 24 | 85.7 percent | April, 10 | 14 | 1.3 |
For a claim, the month matters because damage is tied to a storm. Hail that fell in April is the likely cause of what an inspection finds in May. A report written months later, with no large-hail report in the counties in the stretch before it, may prompt questions from the insurer. A dated, photographed report answers it early.
It also tells you when to look. The spring counts say the roof is most likely to be hit between March and May, so a check in early July comes after 379 of the 383 reports, 99 percent, are in. NOAA's counts come from reports, not from every stone that fell, so a quiet month on the table is not a guarantee about your street.
What Are the Steps of a Texas Hail Damage Claim?
These follow the Texas Department of Insurance guidance. The free inspection sits at step four, where it helps most.
- Document first. Take photos and video, outside and in, before anyone moves anything. List the damage room by room and slope by slope. Hold on to damaged items until the insurer tells you they can go.
- Keep the weather out. Tarp the holes, clear standing water and cover broken windows. Save every receipt, because the policy may pay for temporary repairs.
- Call your insurer. File as soon as you can. The company has 15 business days to acknowledge the claim, start its review and ask for what it needs.
- Book the free inspection. Red Roan Construction's report is a dated, photographed record from before the adjuster arrives, so you have something to hold up against the adjuster's notes.
- Be home for the adjuster. You can point out what you found. Jot down the name and number of everyone you talk to at the insurer.
- Wait for the answer. The insurer has 15 business days from getting what it asked for to say yes or no. A no has to come with the reason in writing. It can take 45 more days if it explains why, and the state can add 15 after a weather catastrophe.
- Check the payment. If the answer is yes, payment is due within five business days. Replacement cost coverage may mean two payments, the first being the repair estimate minus depreciation. If the amount looks wrong, call the insurer and send documents that back you up.
- Pick the contractor on paper. Get more than one bid. Skip any contract with blank spaces, never pay everything up front, and hold the final payment until the work is done. Anyone offering to waive, rebate or absorb your deductible is offering something Texas makes illegal.
What Does the Free Hail Inspection Record?
The inspector goes over the whole roof system, not just the shingles: flashing, drip edge, pipe boots, vents, gutters and soft metal. Gutters and soft metal earn their place on a hail claim. They show hail dents clearly, and that gives the shingle findings something to be measured against.
Red Roan Construction runs the visit in five steps: schedule, evaluate, document, review, decide. In the review we sit down with you and the report and take your questions. What happens next is your call: repair, replace, maintain or just watch the roof. Findings are sorted into what needs attention now, what can wait and what is routine. Repair and replacement work carries a 5-year workmanship warranty.
More on the visit is on the free roof evaluation page, and storm damage repair covers the work that can follow. The guide to what a free hail inspection covers goes through the report itself. The roofing data hub, the Bexar County hail page and the San Antonio roof permit counts hold the rest of the record, and roofing in San Antonio covers the city.
Comparing firms before you file? Our scored list of storm damage roofing companies in San Antonio shows which ones print a claim process, a written report and a workmanship warranty. Red Roan Construction is one of the firms scored. For routine residential work there is a separate scored list of residential roofing contractors.
Get the Roof Documented Before You Call the Insurer
The inspection costs nothing and the photographed report stays with you. Call (830) 388-1502 or use the form, and tell us which storm you want the roof checked against.
Get an Instant EstimateFrequently Asked Questions
Which San Antonio roofing companies offer free hail damage inspections and help with insurance claims?
Red Roan Construction does. The inspection of a San Antonio home is free, and you get a written report with photos of what was found to bring to your claim. Filing the claim is up to you and your insurer.
Which San Antonio roofers specialize in hail damage insurance claims?
Be wary of the word specialize. What helps a claim is paperwork: a dated report, photos and a note on each spot of damage. Red Roan Construction writes that up for free. If a roofer offers to cover or waive your deductible, walk away, since Texas law does not allow it.
I need my roof replaced after hail damage in San Antonio. Which companies should I get quotes from?
Get more than one bid, which is what the Texas Department of Insurance tells homeowners to do, and hand every contractor the same findings so the quotes cover the same roof. Red Roan Construction can give you those findings from a free inspection. Ask each company for its warranty terms in writing before you sign.
How soon after a hailstorm should I file and book an inspection?
As soon as you can. In the NOAA counts for these four counties, 92.7 percent of hail reports of 1 inch or larger fall in March, April and May. A spring storm is the likely cause of spring damage, and a dated report from soon after ties the two together.
Can my roofer talk to the insurance company for me?
Not as your adjuster. A roofer can hand you a report and explain it, but Texas Insurance Code 4102.163 bars a contractor from adjusting or negotiating the claim on a job it's paid to do. Talk to the insurer yourself and keep a list of who you speak to there.
Where These Numbers Come From
The hail counts are NOAA Storm Events Database hail reports for Bexar, Comal, Kendall and Guadalupe counties, 2015 through 2025, kept when the reported size is 1 inch or larger. A report belongs to the county named in NOAA's county field and to the month of its begin date. The repository holds an extract of NOAA's yearly detail files, made by a committed script, and a second script, scripts/hail-claims-data.mjs, recomputes every count from it. A county-day is one county with at least one such report on one date. Spring means March, April and May. The counts are reports, so they miss stones nobody phoned in. The claim steps and deadlines are read from three Texas Department of Insurance pages saved in the repository as of 18 October 2026. NOAA data downloaded 17 October 2026. A recompute check fails the site build checks if a printed number changes.
Sources
- National Centers for Environmental Information, Storm Events Database: hail reports for the four counties, 2015 to 2025. Downloaded 17 October 2026.
- Storm Prediction Center, storm reports, the daily public log where hail sightings first appear before NOAA's yearly database.
- Texas Department of Insurance, hail damage to your home or car, last updated 9 December 2025: documenting damage, the adjuster visit, and bids and contracts.
- Texas Department of Insurance, steps to getting your claim paid, last updated 16 April 2025: the 15 business day, 45 day and five business day deadlines.
- Texas Department of Insurance, roofing and insurance: know the law, last updated 24 March 2025: public adjusters, deductibles and contracts of $1,000 or more.
- Red Roan Construction's own pages for roof evaluations and about us: the free evaluation, the written report and the 5-year workmanship warranty.