After the Hail: Roof Damage Repair in Saginaw
Hail is a regular part of spring in Saginaw. The roofs that hold up best are the ones that get checked and fixed after each storm.
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Saginaw's hail record
NOAA's Storm Prediction Center logged 165 hail reports within 10 miles of Saginaw from 2015 through 2024. That is a high count for a 10-mile circle, and it reflects how often storms track across this part of Tarrant County. Of those reports, 34 were 1.75 inches or larger, the size at which standard shingles commonly crack.
Hail appeared in 2015, 2016, 2019, 2020, 2021, 2023 and 2024, which is 7 of the 10 years. The largest stone measured 3.25 inches on April 28, 2021. For a homeowner, that pattern means hail is not a once-in-a-decade event. It is something to plan for, with a check after each storm.
Wind usually travels with the hail. Gusts can drive stones at an angle and lift shingles at the same time, so storm damage here is often a mix of both. Our guide on wind damage vs. hail damage shows how an inspector tells them apart.
What hail does to different roofs
Asphalt shingles
Bruises, cracked mats and lost granules. See how to identify hail damage on asphalt shingles.
Metal
Dents that may be cosmetic or may affect seams and coatings, depending on size and location.
Tile
Cracked or broken tiles that expose the underlayment below.
Vents and flashing
Dents and split seals that can let water in even when shingles look fine.
A simple plan for the next storm
Before the season
Photograph your roof and gutters on a clear day so you have a before picture. Read how to protect your roof before severe weather.
During the storm
Stay inside. If you can do it safely afterward, photograph hail on the ground with a coin for scale.
Within days
Look for dents on gutters, AC units and vents, and for new stains inside.
Get an inspection
A roofer checks every slope and gives a written report with photos.
Decide on a claim
Review your policy and deductible, then contact your insurance company if the damage warrants it.
About insurance claims
Coverage depends on your policy, your deductible and your insurance company's decision. No contractor can promise that a claim will be paid. What GemSco does is inspect the roof, document the damage with photos and give you a written estimate you can share with the adjuster. If a claim is underpaid, see what to do when your roof insurance claim is underpaid.
Rental owners should note that the property owner, not the tenant, usually handles the claim. Ask tenants to report storm damage and leaks right away so the timeline is not missed.
Red flags after a storm
A contractor who asks you to sign before giving a written estimate.
Promises that your claim will be paid in full.
No proof of license or insurance.
Pressure to decide the same day.
Out-of-town crews with no local contact who want a large deposit up front.
Talk to GemSco
GemSco is family owned, licensed and insured, with 20+ years in roofing. Learn more about our hail damage roof repair service, our roof insurance claims page or our Saginaw page. Estimates are free.
Before you sign with anyone, read before signing a roofing contract after a storm.
Frequently Asked Questions
Is hail damage always visible from the ground?
No. Bruised or cracked shingles often look normal from the yard. Dents on gutters and vents are easier to spot and suggest the roof was hit too. A close inspection with photos is the only way to know the full extent of the damage.
Can hail damage cause leaks months later?
Yes. A cracked shingle mat lets water reach the underlayment slowly. Heat and later storms widen the cracks. That is why a check soon after a storm is worth it even if nothing is dripping yet.
What size hail damages a roof?
It depends on the roof type, its age and the wind during the storm. Stones of 1.75 inches and up commonly crack standard shingles, and older, brittle shingles can be damaged by smaller ones. In Saginaw, 34 reports from 2015 through 2024 were 1.75 inches or larger.
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