
Carrollton Hail Damage: How to Check, Document and Repair Your Roof
Hail is a regular event in Carrollton, not a rare one. Here is what the records show and how to handle the days after a storm without costly mistakes.
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A decade of hail around Carrollton
NOAA's Storm Prediction Center logged 118 hail reports within 10 miles of Carrollton from 2015 through 2024. Of those, 27 were 1.75 inches or larger, the size that commonly cracks asphalt shingles. The largest stone measured 3 inches, on June 6, 2018.
What stands out is how often it happens. Large hail was reported in 2016, 2017, 2018, 2019, 2023 and 2024, which is 6 of the 10 years. Carrollton spans Collin County, Denton County and Dallas County, and none of them are in the area served by the Texas Windstorm Insurance Association, so claims go through your regular homeowners policy.
Frequent storms also create a timing problem. If one storm damages the roof and another hits before it is fixed, it becomes harder to show which damage came from which event. Getting an inspection and dated photos after each large storm keeps the record clear and the house dry.
Signs your roof took a hit
Dents in gutters, downspouts, vents and the metal trim along the roof.
Granules washed into the gutters or piled at the downspout outlets.
Dark, round spots on shingles where granules are missing.
Cracked or split shingles, tiles or wood shakes.
New ceiling stains in the weeks after a storm.
Dents on cars, fences or outdoor equipment from the same storm.
What to do in the days after
Photograph everything
Shoot the roof from the ground, the gutters, the yard and any interior damage. Our list of photos to take after roof storm damage helps.
Prevent more damage
If water is getting in, cover the area and keep receipts. For serious leaks, call for emergency roof repair.
Get an inspection
A roofer documents each slope with photos and notes.
Review your policy
Check your deductible and whether you have replacement cost or actual cash value coverage.
Talk to your insurer
If you file, an adjuster reviews the damage. Coverage depends on your policy and your insurance company.
Protect yourself after a storm
No promises
Be wary of anyone who says your claim will be approved. That decision belongs to your insurer.
No pressure
Do not sign a contract on the spot. Read before signing a roofing contract after a storm.
No large deposits
Avoid paying most of the job up front to a crew you do not know.
Get it in writing
A clear written estimate with photos lets you compare bids fairly.
How GemSco can help
Light, scattered damage can often be repaired. When hits cover most slopes, or the roof was already worn, replacement usually makes more sense, and many owners in Carrollton choose Class 4 impact-rated shingles tested under UL 2218 when they do. If your roof has solar panels, see solar panel removal and reinstallation in Carrollton.
GemSco inspects, documents the damage with photos and gives you a written estimate for repair or replacement. If your claim is denied or comes up short, our guide on what to do if your roof insurance claim is denied lays out common next steps. Learn about the roof insurance claims process, our hail damage roof repair service or our Carrollton roofing page.
Frequently Asked Questions
Can my roof have hail damage if it is not leaking?
Yes. Hail can crack the shingle mat or knock off granules without letting water in right away. Over time, sun and rain widen the damage until a leak appears, sometimes months later. That is why an inspection after a large storm is worth it even if the ceiling looks fine.
What if two storms hit before I fix the roof?
Document each one with dated photos and an inspection if possible. Damage from separate storms can be hard to separate later, and insurers may look at dates closely. Fixing damage soon after each storm keeps the record clean and keeps water out of the house.
Should I replace with impact-rated shingles after hail?
In an area with frequent large hail, many owners do. Class 4 shingles are tested under UL 2218 and resist cracking better than standard shingles. They still can be damaged by very large hail. Ask your insurance agent whether your policy treats them differently.
Does hail damage gutters and siding too?
Often, yes. Gutters, downspouts, window screens and siding can all be dented or cracked by the same storm. Include them in your photos and inspection. Our page on gutter installation in Carrollton covers gutter repair after hail.
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