Arcola, TX Storm and Hail Damage: What to Check and What to Do
Most hail near Arcola is small, but small hail still wears a roof down, and larger stones have hit here too. Here is how to tell what your roof has taken.
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Arcola's storm record, explained
NOAA's Storm Prediction Center logged 15 hail reports within 10 miles of Arcola from 2015 through 2024. Two of them reached 1.75 inches, in 2015 and 2017. The largest was 1.75 inches on May 26, 2015. So most reported hail here was smaller, but storms were frequent.
Frequent smaller hail matters most on older shingles. Half of the homes in Arcola were built before 2001 (U.S. Census Bureau, American Community Survey 2020-2024), so many roofs are around 25 years old. Shingles at that age have lost some of their flexibility and granules, and they bruise more easily than new ones. Wind from the same storms can also lift and crease shingles. Read wind damage vs. hail damage to tell them apart.
What storm damage looks like
Hail bruises
Dark spots where granules were knocked off. They may feel soft when pressed.
Cracked shingles
Splits that run across the shingle, often hard to see from the ground.
Creased or missing tabs
Wind lifts shingles and bends them, or tears them off.
Dented metal
Vents, flashing, gutters and downspouts show hail size better than shingles.
Debris impact
Branches can puncture the deck. See tree limbs and debris roof damage.
What to do after the storm passes
Document from the ground
Take dated photos of the roof, gutters, siding, fences and cars. Our list of photos to take after roof storm damage helps.
Cover any opening
If water is getting in, a temporary tarp limits damage until a repair is made.
Book an inspection
A roofer walks each slope, marks and photographs damage and writes up a repair estimate.
Contact your insurer
Report the damage, then share the photos and estimate with the adjuster.
Decide on repair or replacement
Scattered hits can be repaired; damage across many slopes may need roof replacement in Arcola.
Insurance facts worth knowing
Coverage depends on your policy and your insurance company. No roofer can promise approval.
Your deductible is paid by you, even on an approved claim. Read how a roof insurance deductible works.
Some policies pay actual cash value and others replacement cost. The difference can be large on an older roof.
GemSco inspects, documents damage with photos and gives a written estimate you can share with the adjuster.
Learn more on our roof insurance claims page.
Why waiting is risky
Hail damage rarely leaks on day one. A cracked shingle lets in a little water in each storm, which soaks the underlayment and then the decking. By the time a stain shows on the ceiling, the wood may be soft. Our guide on why roof damage may not cause an immediate leak explains how this happens.
Policies also have time limits for reporting damage, which vary by insurer. A prompt inspection gives you dated photos and a clear record of what the storm did.
Storm repairs by GemSco
GemSco has 20+ years of storm repair experience, is fully licensed and insured, and offers free estimates. We work on shingle, metal, tile, wood shake and flat roofs. See our hail damage roof repair service or our page for Arcola.
Frequently Asked Questions
Can small hail damage my roof?
It can, especially on older shingles that have lost granules and flexibility. Small hail usually causes less damage than large hail, but repeated storms add up. If your roof is around 25 years old and has been through several storms, an inspection shows whether the wear is still minor.
How do I know if a storm hit my roof or just my neighbor's?
Hail can fall unevenly, and roofs differ in age, direction and material. Look at your own gutters, vents and AC unit for dents. Those clues show whether hail hit your property. A close roof inspection confirms it.
What if my claim is denied?
Ask the insurer for the reasons in writing and compare them with your inspection photos. You can ask for a re-inspection or provide more evidence. Our guide on what to do if your roof insurance claim is denied lists the common steps.
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