Rockwall Hail Damage: From the Storm to a Sound Roof
The biggest hailstone reported near Rockwall in the last decade was bigger than a baseball. Here is how to deal with what storms like that leave behind.
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The first days after a hailstorm
Check from safe ground
Walk the yard and look for broken shingles, granules and dented gutters.
Look in the attic
Fresh stains or wet insulation mean the roof is already letting water in.
Record the evidence
Dated photos of the roof, siding, windows and any hail you find. Read what to do after a hailstorm damages your roof.
Book an inspection
GemSco inspects the roof, documents the damage with photos and provides a written estimate.
How often big hail hits near Rockwall
NOAA's Storm Prediction Center logged 69 hail reports within 10 miles of Rockwall from 2015 through 2024. Of those, 21 were 1.75 inches or larger. The largest was 5.25 inches, reported on April 11, 2016, and large hail came back in 2018, 2021, 2022 and 2023.
Rockwall lies mainly in Rockwall County, and hail swaths are often narrow. One subdivision can be hit hard while another nearby sees little, so the record tells you the risk, not what happened to your house. Neighbors comparing notes over the fence is not a substitute for a look at your own roof.
Half of the homes in the city were built before 2003 (U.S. Census Bureau, American Community Survey 2020-2024). Shingles that have aged two decades lose flexibility and crack more easily under impact.
Hail or wind? Telling them apart
Hail
Random round bruises, dents on soft metals and granules washed into the gutters.
Wind
Creased, lifted or missing shingles along edges, ridges and corners.
Both
Many Texas storms bring both. An inspection separates them. Read wind damage vs. hail damage.
Normal aging
Blisters, cracking and granule loss spread evenly across sunny slopes, without dents on nearby metal.
Before you sign with a contractor
Ask for a written estimate that lists materials and scope.
Ask for proof of insurance.
Be careful with door-to-door crews who show up right after a storm.
Do not sign anything that hands over your claim before you understand it.
What the repair usually covers
Hail repairs rarely stop at shingles. Vents, pipe jacks, ridge caps, drip edge and gutters often take hits too, and a complete scope lists each one. Skylights with cracked domes need replacing, not sealing.
When the damage is widespread, replacement becomes the practical fix. That is the moment to look at Class 4 shingles tested under UL 2218, the highest level in that impact test.
Ask that the estimate lists each damaged item by name. It makes the scope easier to compare with the adjuster's report and shows nothing was left off.
The insurance side
Coverage depends on your policy and your insurance company, not on the contractor. Check your deductible, any separate wind and hail deductible, and whether the policy pays actual cash value or replacement cost. Our roof insurance claims page walks through the steps. More on our hail damage roof repair service and the page for roofing in Rockwall.
Frequently Asked Questions
What if my claim is underpaid?
Review the adjuster's estimate line by line against your contractor's. Missing items like drip edge, vents or decking are common. You can ask the insurer to reinspect. Our guide on what to do when your roof insurance claim is underpaid covers the options. The final decision rests with your insurer.
Do impact-resistant shingles stop hail damage?
They reduce it. Class 4 shingles passed the highest level of the UL 2218 test, which drops steel balls onto the shingle. Very large hail, like the 5.25-inch stone reported near Rockwall in 2016, can still cause damage. Ask your insurer whether a Class 4 roof changes your premium.
Should I file a claim for minor hail damage?
It depends on the size of the damage compared with your deductible and on your policy terms. Some homeowners get an inspection first to see what is there before deciding. Read how a roof insurance deductible works. Your agent can explain how a claim might affect your policy.
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