Kerrville and the surrounding Hill Country sit in one of the most active hail corridors in Texas. Storms roll in from the west with little warning, and hailstones that look small can do significant damage to roofing materials. Here is what actually happens to your roof during a hail event — and how to tell if the damage warrants a repair, a replacement, or an insurance claim.
What hail size means for your roof
Hailstones under 1 inch typically do not damage architectural shingles. Stones between 1 and 1.5 inches crack or bruise asphalt granules, exposing the underlying mat. Stones above 1.5 inches can puncture shingles, crack ridge caps, and dent metal flashing and gutters. In the Hill Country, storms commonly produce 1.25–2 inch hail. A single storm of that size can take years off a roof's lifespan even when visible damage looks minor from the ground.
Asphalt shingles vs. metal roofs in a hail event
Asphalt shingles absorb hail impact differently than metal roofing. On asphalt, hail knocks granules loose from the surface — those granules are the UV and weather protection. A bruised shingle may look intact but degrades faster once the granule layer is damaged. On metal roofing, hail leaves dents and dings that rarely compromise waterproofing but may affect insurance valuation. Metal roofing generally holds up better in repeated hail events over the roof's lifespan.
Where to look for hail damage on your roof
No BS Roofing inspects six areas after every hail event: asphalt shingles (look for bruising and granule loss), ridge caps (often hit hardest due to angle), metal flashing around chimneys and vents (denting and cracking), gutters and downspouts (soft metal that shows hail size clearly), fascia boards (soft wood that dents), and siding if present. Granule accumulation in gutters is one of the clearest signs a shingle roof took significant impact.
When to file a hail damage insurance claim
Most homeowner insurance policies in Texas cover hail damage with no out-of-pocket cost beyond the deductible. No BS Roofing provides free hail damage inspections and documents findings in a format insurance adjusters accept. The inspection covers the full roof, not just visible spots from the ground. Most Hill Country homeowners who have lived in the area more than five years have experienced at least one hail event that qualifies for a claim — many never filed one.
How long after a hail storm can you file a claim
Texas homeowner policies typically allow one year from the date of a storm to file a hail damage claim. Some policies allow two years. No BS Roofing can help date damage to a specific storm event using weather data from Kerrville and surrounding counties. If you noticed granules in your gutters recently but are unsure when the damage occurred, a free inspection will determine whether you have a viable claim.
No BS Roofing serves Kerrville, Fredericksburg, Boerne, and 11 other Hill Country communities. Free inspections. Straight answers.