Addison Hail Damage: What It Does to Roofs and What to Do Next
Addison sees more hail reports than many North Texas towns its size. Here is what the record shows and a clear path from the storm to a finished repair.
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A decade of hail around Addison
NOAA's Storm Prediction Center logged 125 hail reports within 10 miles of Addison from 2015 through 2024. Of those, 29 were 1.75 inches or larger, which is about the size of a golf ball. The largest, 3 inches, fell on June 6, 2018. Large hail showed up in 2016, 2017, 2018, 2019, 2023 and 2024, so it is not a once-in-a-lifetime event here.
Half of the homes in Addison were built before 1998 (U.S. Census Bureau, American Community Survey 2020-2024). Roofs that have been through several of those seasons may carry old damage that was never documented. That matters, because insurers often ask when the damage happened.
Hail rarely comes alone. The same storms bring strong gusts that lift shingle tabs and bend flashing. An inspector looks for both, because the repair and the paperwork differ. Our guide on wind damage vs. hail damage shows how to tell them apart. If you are unsure whether old damage was ever fixed, a fresh inspection with dated photos gives you a clean starting point.
Signs of hail damage
Round, dark spots on shingles where granules were knocked away.
Soft, bruised areas that feel spongy under light pressure.
Cracks or splits in shingles, often on the side facing the storm.
Dents on gutters, downspouts, vent caps and the AC unit.
Broken skylight lenses or torn window screens.
Granules collecting at downspout outlets after the storm.
Chips in paint on wood trim, fences or the siding facing the storm.
Insurance, plainly
Coverage varies
Whether hail damage is covered depends on your policy and your insurer. Read your declarations page first.
Deductibles
Many Texas policies use a percentage deductible for wind and hail. Our guide on how a roof insurance deductible works explains it.
Timing
Policies set deadlines for reporting a loss. Do not wait months to get the roof checked.
Documentation
We inspect, photograph every hit and give you a written estimate. The adjuster makes the coverage decision.
From storm day to finished roof
Look, do not climb
Check the yard and gutters from the ground and look for leaks inside.
Take photos
Capture hail on the ground, dents and any interior water. Our list of photos to take after storm damage helps.
Book an inspection
We check every slope and give you a photo report and estimate.
Decide on a claim
If you file, share our photos and written estimate with the adjuster.
Repair or replace
Once the scope is clear, the work is scheduled.
For owners of Addison rentals
The census survey shows only 18% of homes in Addison are owner-occupied, so many roofs here belong to landlords and investors. After a storm, a tenant may be the first to notice a leak. Ask tenants to report water stains in writing, and get the roof inspected quickly. GemSco is family owned, licensed and insured, with 20+ years of experience. See our hail damage roof repair service and roof insurance claims help, or our Addison page.
Frequently Asked Questions
Is 1.75-inch hail enough to damage a roof?
It often is. Hail that size can crack shingles and knock off enough granules to shorten the roof's life, especially on older shingles. Smaller hail can still do harm in high wind. An inspection is the only way to know what happened to your roof.
What if my claim is denied?
Ask the insurer for the reason in writing and compare it to your policy. You can request a re-inspection or provide more evidence. Our guide on what to do if your roof insurance claim is denied covers the next steps in more detail.
Should I worry about storm chasers in Addison?
Be careful after any big storm. Check that a roofer is licensed and insured, get a written estimate and do not sign anything you do not understand. A crew that pressures you to sign on the spot is a warning sign, not a good deal.
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