Storm Damage & Insurance Restoration
Free storm damage inspections, insurance claim assistance, and complete roof restoration. We document the damage, coordinate with your adjuster, and handle the rebuild from start to finish.
Central Texas Storm Profile
Central Texas sits in one of the most severe-weather-prone regions in the country. The I-35 corridor from San Antonio through Austin to Waco is a collision zone where warm Gulf moisture meets dry air from the west, producing intense thunderstorms capable of devastating residential roofs in minutes.
Severe Hailstorms (March - June)
Peak hail season runs March through June when supercell thunderstorms develop along the I-35 corridor. These storms regularly produce golf ball to baseball-sized hail that can total a roof in a single event. Hail damage is cumulative: even smaller hailstones bruise shingles and accelerate granule loss, weakening your roof's protective layer with every storm. Cities like Round Rock, Georgetown, and Cedar Park are hit particularly hard.
Straight-Line Winds & Derechos
Central Texas does not need tornadoes to produce destructive wind. Derecho events and severe thunderstorm downbursts regularly generate 60 to 80 mph winds across wide swaths of the region. These winds lift shingles, tear off ridge caps, peel back flashing, and scatter debris across roofs. A single straight-line wind event can damage thousands of homes from Kyle to New Braunfels.
Tornadoes
While less common than hail, Central Texas is not immune to tornadoes. EF-0 to EF-2 tornadoes occur each spring season, and even near-miss events produce extreme wind shear that damages roof systems in their path.
Tropical Storm Remnants (Fall)
Hurricane and tropical storm remnants from the Gulf of Mexico regularly push inland to Central Texas in late summer and fall, bringing sustained heavy rain, flooding, and damaging winds. Prolonged rain exposure finds every weakness in an aging roof system.
Ice Storms (Rare but Damaging)
While uncommon, Central Texas ice storms can cause significant roof damage. Ice accumulation on roofs, combined with repeated freeze-thaw cycles, creates ice dams that force water under shingles. The 2021 and 2023 freeze events demonstrated that Texas roofs can suffer serious cold-weather damage.
What Hail Damage Looks Like
Hail damage is not always visible from the ground. Many homeowners have no idea their roof has been compromised until a leak appears months after the storm. Here is what our inspectors look for on every post-storm inspection.
What Wind Damage Looks Like
Wind damage presents differently than hail and often occurs in patterns that follow the prevailing wind direction across your roof.
- Lifted shingles with broken adhesive seals, especially along edges and ridges where wind pressure is highest
- Creased shingles that have been bent backward by wind and then flattened, weakening the shingle structure permanently
- Missing shingles that have blown off entirely, leaving the underlayment or bare decking exposed to the elements
- Exposed nail heads where shingles have shifted from their original position, creating direct water entry points
- Torn or peeled flashing around chimneys, walls, and roof transitions where wind catches edges and pulls them up
- Damaged ridge caps at the peak of the roof, which take the worst wind abuse and are often the first components to fail
The Insurance Claim Process
Filing an insurance claim for storm damage can feel overwhelming. We handle the heavy lifting so you can focus on your family. Here is the step-by-step process from start to finish.
Document the Damage
Take photos of any visible damage from the ground. Do not throw away damaged materials or debris. Do not attempt to walk on your roof. If your home is actively leaking, place buckets to catch water and call us immediately.
Call Stanley Built for a Free Inspection
We perform a thorough roof and attic inspection, document all damage with professional photos and measurements, and provide a detailed scope of work. This documentation is critical for your insurance claim.
File Your Claim
Call your insurance company and file a claim for storm damage. Provide the date of the storm and a general description of the damage. Your insurer will assign a claim number and schedule an adjuster visit.
Insurance Sends an Adjuster
Your insurance company sends an adjuster to inspect the damage and create their own scope of work. This is a critical step where having a professional contractor on your side matters.
We Meet Your Adjuster On-Site
We meet with your adjuster at your home to ensure nothing is missed. We walk the roof together, point out all documented damage, and make sure the adjuster's scope matches the actual condition of your roof. This step often results in a more complete and accurate assessment.
Insurance Approves the Scope
Once your insurance approves the scope of work and issues payment, we finalize material selections with you. You choose your shingle color and style from our premium lineup of GAF, IKO, and Tamko products.
We Complete the Replacement or Repair
Our crew handles the complete roof replacement or repair. Most asphalt shingle replacements are completed in a single day. You pay your deductible, and insurance covers the rest. We handle cleanup and final inspection.
Texas Insurance Deadlines & Your Rights
Understanding your rights under Texas insurance law protects you from losing coverage you have been paying for. Here are the critical deadlines and provisions every Central Texas homeowner should know.
- One-Year Filing Deadline: Most Texas homeowner's policies require you to file a storm damage claim within one year of the date of the storm. After this deadline, your right to file is forfeited regardless of damage severity. Do not let this window close.
- Written Denial Required: If your claim is denied, request a written denial with specific reasons. A verbal denial is not sufficient. The written denial starts the clock on your right to appeal, dispute, or invoke the appraisal clause.
- Appraisal Clause: If you and your insurer disagree on the amount of damage, most Texas policies include an appraisal clause. This allows both parties to hire independent appraisers to reach a fair settlement without litigation.
- Right to Choose Your Contractor: Texas law guarantees your right to choose your own roofing contractor. Your insurance company cannot force you to use a contractor from their preferred vendor list. Choose a local, licensed, GAF Certified contractor who will be here long after the storm chasers leave.
If you suspect storm damage to your home anywhere in Texas, from Austin and Lakeway to San Marcos and Buda, schedule your free inspection today. Documenting damage quickly protects your ability to file a claim within the one-year window.
How We Do Business — Honestly
After every major storm, Central Texas gets flooded with out-of-town storm chasers who knock on doors, pressure homeowners into signing contracts, and disappear after collecting insurance money. Stanley Built Roofing is a family-owned, local company run by Robert and James Stanley. We live here. We work here. And we will be here long after the storm chasers have moved on.
What We Will Never Do
- Waive your deductible. Offering to waive a homeowner's deductible is insurance fraud under Texas law. Any contractor who offers this is breaking the law and putting you at risk.
- Pressure you to file a claim. If your damage does not warrant a claim or does not exceed your deductible, we will tell you honestly. Filing unnecessary claims can affect your insurability.
- Manufacture or exaggerate damage. We document what exists, accurately and completely. Our inspection reports reflect reality, not sales targets. If your roof is fine, we tell you it is fine.
Our approach is simple: give you an honest assessment, help you navigate the insurance process if damage warrants a claim, and do quality work with premium materials. That is how we have built a 5.0 Google rating and earned the trust of Central Texas homeowners.
Storm Damage Questions
Common questions from Central Texas homeowners about storm damage and insurance claims.
Check soft metals first: dents on your HVAC unit, fence caps, mailbox, or gutter downspouts confirm hail was large enough to damage your roof. On the roof itself, hail appears as circular dimples, cracked shingles, or random-pattern granule loss. A free professional inspection is the only reliable way to assess damage, since many hail hits are not visible from the ground.
If a professional inspection confirms storm damage exceeding your deductible, filing a claim generally makes sense. Your homeowner's insurance exists for exactly this type of event. We provide a free inspection and give you an honest recommendation. We never pressure homeowners into filing claims that do not make financial sense.
Check your declarations page or call your insurance agent. Most Texas policies have either a flat dollar deductible or a percentage-based deductible (often 1-2% of your home's insured value). For a home insured at $350,000 with a 2% wind/hail deductible, your out-of-pocket cost would be $7,000. Your deductible is the only amount you pay on an approved claim.
In Texas, insurers cannot raise your individual rate solely because you filed a weather-related claim. However, widespread storm events can trigger area-wide rate adjustments affecting all policyholders in a region. Do not avoid filing a legitimate claim out of fear of rate increases.
Request a written denial with specific reasons. You have the right to a re-inspection and can invoke the appraisal clause in your policy to have an independent appraiser assess the damage. We help you through the appeals process and ensure damage is properly documented. Many initially denied claims are approved upon re-inspection with proper documentation.
Most Texas homeowner's policies have a one-year deadline from the date of the storm. After that deadline, your right to file is typically forfeited. We recommend scheduling a free inspection as soon as possible after any significant hail or wind event to document damage within this window.
Yes. Texas law gives you the right to choose your own roofing contractor. Your insurance company cannot require you to use a specific company from their preferred list. We recommend choosing a local, licensed, insured, GAF Certified contractor who will be here after the storm chasers have moved to the next city.
We assist from start to finish. We document all damage with photos and measurements, provide a detailed scope of work, meet with your adjuster on-site, and help you understand every step. You file the claim with your insurance company, and we handle the rest of the process through completion.
Think Your Roof Has Storm Damage?
Get a free inspection and honest assessment. We document everything, help with your insurance claim, and handle the restoration from start to finish.