Storm Damage Repair in Brazoria: Wind First, Hail Second

NOAA's Storm Prediction Center logged 3 hail reports within 10 miles of Brazoria from 2015 through 2024. None of them reached 1.75 inches, the golf-ball size that damages most standard shingles. The largest was 1.5 inches, reported on April 17, 2015.

That is a light record compared with much of Texas. It does not mean hail never matters here: a 1.5-inch stone can still hurt an old or brittle roof, and half of the homes in Brazoria were built before 1975 (U.S. Census Bureau, American Community Survey 2020-2024). But for most owners in Brazoria, storm damage means wind and wind-driven rain.

Wind damage can also hide. A shingle that flexed in a gust may lie flat again with its seal broken, and the leak shows up months later in a rain that comes from the same direction. That delay is why a check after any strong storm is worth it, even when nothing seems to be missing from the roof.

All of Brazoria County is inside the area where the Texas Windstorm Insurance Association (TWIA) writes wind and hail coverage. Many homes here have a regular homeowners policy plus separate windstorm coverage. Knowing which one applies to your damage is the first question to ask your agent.

TWIA generally requires roof work on the homes it covers to meet windstorm standards and be documented with a certificate known as a WPI-8. Ask about it before repairs begin.

Whether a claim is paid, and how much, depends on your policy and your insurance company. GemSco inspects, documents the damage with photos and gives a written estimate. Read more on roof insurance claims and how a roof insurance deductible works.