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Georgetown Hail Damage: Check, Document, Repair

Georgetown had large hail in four separate years of the last decade. If your roof has been through any of them, here is what to look for and what to do.

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A decade of hail around Georgetown

NOAA's Storm Prediction Center logged 58 hail reports within 10 miles of Georgetown from 2015 through 2024. Twenty of them were 1.75 inches or larger, the size that can crack a shingle. Large hail fell nearby in 2019, 2020, 2021 and 2023, and the biggest stone, 4 inches, came down on September 24, 2023.

What that means for you: many roofs in Georgetown have been hit more than once. Damage from an early storm may never have been inspected, and a later one adds to it. When the roof finally leaks, it can be hard to tell which storm did what. Good records from each event make that much easier.

Wind usually rides along with these storms. Gusts lift shingle tabs, break the seal strip and leave the roof open to the next rain. Hail and wind damage look different and are handled differently, so it helps to know which one you have. Our post on wind damage vs. hail damage explains how to tell them apart. Either way, a roof that took repeated hits deserves a full inspection rather than a quick look from a ladder.

Where hail leaves its marks

Dark spots on shingles where granules were knocked off.

Soft bruises that feel spongy when pressed.

Cracked or split shingles, often on the side facing the storm.

Dents on roof vents, flashing and metal caps.

Dings on gutters, downspouts and window screens.

Chipped paint or dents on fences and outdoor equipment.

What to do after a Georgetown hailstorm

1

Stay safe

Wait until the storm passes. Do not climb on a wet roof.

2

Document from the ground

Take dated photos of dents, granules and any broken pieces. Our list of photos to take after roof storm damage covers what helps.

3

Cover any opening

If water is getting in, emergency roof repair can tarp it to stop more damage.

4

Get a roof inspection

A roofer checks each slope and records the damage with photos.

5

Review your policy

Know your deductible and how your roof is valued. See actual cash value vs. replacement cost.

How the insurance side works

You file, the insurer decides

Coverage depends on your policy and your insurance company. No roofer can promise approval.

Photos carry weight

Clear, dated pictures of the damage help explain what happened and when.

Written estimate

A detailed scope lets you and the adjuster compare line by line.

Deductible is yours

It is part of your policy. Be wary of anyone who offers to cover it for you.

Repair or replace after hail

Light, scattered damage can often be repaired by replacing individual shingles and dented vents. Damage across many slopes usually calls for a new roof. If you replace, impact-rated shingles tested to UL 2218 Class 4 are worth considering given the local record.

GemSco is family owned, fully licensed and insured, with 20+ years in Texas roofing. We inspect, document with photos and provide written estimates. Learn more about roof insurance claims, our hail damage roof repair service or roof inspection in Georgetown.

Frequently Asked Questions

My roof does not leak after the hail. Do I still need an inspection?

It is a good idea. Hail often cracks the shingle mat without causing a leak right away. Water gets in months later, once the exposed spot breaks down in the sun. An inspection soon after the storm records the damage while it is fresh and easy to connect to the event.

What if my roof was hit in more than one storm?

That is common in Georgetown. An inspector can often tell older damage from fresh damage by how weathered the marks look. Dated photos from each storm are the best record. Talk with your insurer about how your policy treats damage from separate events.

What happens if my claim is denied?

Ask for the reason in writing and review it against your policy. You can request a reinspection, add more documentation or ask about an appeal. Our blog has guides on what to do if a roof insurance claim is denied and on when a public adjuster may help.

We’re Here to Help!

GemSco Roofing & Solar serves Houston, DFW, Austin, San Antonio and surrounding areas. We’re family owned and fully licensed and insured.

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