After the Hail: Storm Damage Roof Repair in Haltom City
Hail hits Haltom City often enough that every homeowner should know what to do the day after a storm. Here is the local record, what damage looks like, and how the insurance side works.
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Ten years of hail near Haltom City
180 reports
NOAA's Storm Prediction Center logged 180 hail reports within 10 miles of Haltom City from 2015 through 2024.
42 large-hail reports
Of those, 42 were 1.75 inches or larger, big enough to crack shingles and dent metal.
3-inch maximum
The largest stone in that period measured 3 inches, on March 24, 2021.
6 of 10 years
Hail was reported in 2015, 2016, 2020, 2021, 2023 and 2024. A dry year is the exception, not the rule.
The first 48 hours after a hailstorm
Stay safe
Watch for downed lines and broken glass. Do not climb onto a wet roof.
Take photos
Shoot gutters, vents, window screens, siding and any hail on the ground with something for scale. Our list of photos to take after roof storm damage helps.
Stop active leaks
If water is coming in, a temporary cover protects the inside. See emergency roof repair.
Get an inspection
GemSco inspects the roof, documents the damage with photos and gives you a written estimate.
Read your policy
Check your deductible and whether your roof is covered at replacement cost or actual cash value.
What hail damage looks like on a roof
On asphalt shingles, hail leaves soft bruises, round dark spots where granules are gone, and cracks that may only show when the shingle is lifted. Metal roofs dent. Gutters, vent caps and downspouts often show the clearest marks, which is why they are good clues from the ground.
Many hits do not leak right away. The damage can open up over the next few hot months. Our guide on how to identify hail damage on asphalt shingles shows the patterns in detail.
Clues from the ground that the roof took hits
Dents on gutters, downspouts and metal vent caps.
Pockmarks or chips on window frames, fences or the AC unit.
Torn window screens on the side the storm came from.
Shingle granules washed out at the end of the downspouts.
Dented cars or patio furniture in the neighborhood.
Stains on the ceiling or damp insulation in the attic in the weeks after.
Repair or replace after hail
Not every hailstorm means a new roof. If hits are scattered on one slope and the rest of the roof is sound, damaged shingles can be replaced. When bruises and cracks cover most slopes, or the roof was already aging, replacement often makes more sense. Half of the homes in Haltom City were built before 1978 (U.S. Census Bureau, American Community Survey 2020-2024), so many roofs here were not new when the last big storm hit. An inspection with photos is what settles the question.
How the insurance side works
Whether repairs are covered depends on your policy and your insurance company. No roofer can promise approval. What a contractor can do is inspect, document the damage with clear photos and provide a written estimate you can share with your adjuster.
Before signing anything after a storm, compare estimates and read the contract. Our page on roof insurance claims explains the process, and roof replacement in Haltom City covers the next step if the damage is widespread. You can also see our full hail damage roof repair service or our work in Haltom City.
Frequently Asked Questions
How long do I have to report hail damage in Haltom City?
Deadlines are set by your policy, so check it or ask your insurance company. Reporting soon after the storm is usually wise, because damage is easier to tie to a specific date. Keep your photos and the date of the storm together in one place.
My roof looks fine from the yard. Should I still get it checked?
Yes, if the storm dropped large hail. Bruised or cracked shingles are hard to see from the ground, and many do not leak right away. Dented gutters, vents or a neighbor's damaged car are good reasons to have someone look up close.
Will a hail claim cover my whole roof?
That depends on your policy, the extent of the damage and your insurer's decision. Some claims cover part of a roof and some cover all of it. GemSco documents the damage and gives you a written estimate, and the coverage decision stays with the insurance company.
Does hail damage gutters too?
Often. Aluminum gutters and downspouts dent easily, and those dents are one of the first signs a roof took hits. Bent gutters can also hold water and pull away from the fascia. Our gutter installation in Haltom City page covers that repair.
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