Hail Damage on Schertz Roofs: Less Frequent, Still Costly

Most of the 30 reports near Schertz were under 1.75 inches. Smaller hail often leaves a new roof unharmed, but it is a different story on an older one. Half of the homes in Schertz were built before 2002 (U.S. Census Bureau, American Community Survey 2020-2024), and shingles that have baked for over two decades are brittle. They crack and shed granules from impacts that a newer shingle would shrug off.

Hail damage also hides. A bruise can break the mat under the surface while the roof keeps shedding water. Months later, a leak appears and seems unrelated to any storm. Read why roof damage may not cause an immediate leak.

When hail hits the San Antonio area, door-to-door crews tend to follow. Some are fine; some push for a quick signature. Take your time, ask for a written estimate and proof of insurance, and compare more than one offer. Our guide on what to know before signing a roofing contract after a storm lists the questions to ask.

Also be wary of anyone who promises that your insurer will pay for a new roof. Nobody can promise that in advance. Coverage is decided by your policy and your insurance company after they review the claim.

About 78 percent of occupied homes in Schertz are owner-occupied (U.S. Census Bureau, ACS 2020-2024), so most claims here are handled by the homeowner directly. Understand your deductible and whether your policy pays actual cash value or replacement cost before you decide. Our guides on how a roof insurance deductible works and common reasons roof insurance claims are rejected help.

If the roof is repaired, matching material is used. If it is replaced, ask about shingles tested to UL 2218 Class 4. See our hail damage roof repair service and the Schertz roofing page.