Texas homeowners have strong insurance protections for hail damage — but most people do not know how the claims process works until they are in the middle of it. Here is the full process from storm to settlement, including what No BS Roofing does at each step to help Kerrville homeowners get fair claims approved.
Step 1: Get a professional inspection first
Before calling your insurance company, get a roofing contractor inspection. No BS Roofing provides free hail damage inspections throughout Kerr County and surrounding areas. The inspection documents damage with photographs, measurements, and written findings that become part of your claim file. Filing a claim before you have documentation of actual damage puts you in a weaker position with the adjuster.
Step 2: File the claim with your insurance carrier
Once damage is documented, call your homeowner's insurance carrier and file a claim. Have the storm date, your policy number, and the contractor inspection findings ready. The carrier assigns an adjuster — sometimes within 48 hours for major storm events, sometimes within two weeks for routine claims. You have the right to have your contractor present during the adjuster inspection.
Step 3: The adjuster inspection
The insurance adjuster inspects the roof to confirm the scope and cause of damage. No BS Roofing is available to meet adjusters on-site for every claim we assist with. We walk the adjuster through the documented findings and ensure they inspect the same areas we identified during our inspection. Adjusters sometimes miss damage on difficult-to-access areas — having a contractor present reduces underpayment.
Step 4: Review the scope of loss
The insurance carrier issues a scope of loss document listing what they will cover and the dollar amount. Compare this to the contractor inspection findings. Common discrepancies include missed flashing replacement, omitted gutters, and undervalued replacement costs for current material pricing. If the scope is incomplete, No BS Roofing can submit a supplemental claim with additional documentation.
What it costs the homeowner out of pocket
Most hail damage claims in Texas result in little to no out-of-pocket cost beyond the deductible. The insurance settlement covers the replacement cost value of the roof based on current material and labor pricing. No BS Roofing prices replacement work within the insurance scope — we do not charge more than what the carrier approves and we do not ask homeowners to pay their deductible separately from the settlement.
No BS Roofing serves Kerrville, Fredericksburg, Boerne, and 11 other Hill Country communities. Free inspections. Straight answers.