Hail Damage in Terrell: Was Your Roof Hit in 2023?
The 2023 storms brought the largest hail in Terrell's 2015-2024 record. Here is how to check your roof and handle the repair and the insurance process.
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The 2015 to 2024 hail record near Terrell
NOAA's Storm Prediction Center logged 27 hail reports within 10 miles of Terrell from 2015 through 2024. Nine of them were 1.75 inches or larger, and all nine came in 2023. The largest, 3.5 inches, was reported on April 20, 2023.
That means many roofs in the area went years without large hail and then took a hard hit in one season. Some owners filed claims. Others saw no leak and moved on. Damage from that spring can still be there, slowly weakening shingles until a heavy rain finds the crack.
Terrell is mainly in Kaufman County. Hail reports within 10 miles do not mean every home was hit, which is why a roof inspection is the way to know for sure.
What large hail does to a roof
Cracked shingles
The mat breaks under the impact, which opens a path for water. Learn how to identify hail damage on asphalt shingles.
Lost granules
Bare spots let the sun break down the asphalt faster.
Dented metal
Vents, flashing, gutters and drip edge show round dents.
Broken tile and shake
Cracks and splits expose the underlayment.
Skylight damage
Cracked lenses or loosened frames can leak around the opening.
What to do after hail
Look, do not climb
Check from the ground for missing shingles, dented gutters and debris.
Take photos
Capture the roof, gutters, vents, screens and any hail on the ground. See photos to take after roof storm damage.
Stop active leaks
A tarp or temporary patch limits water damage inside.
Schedule an inspection
GemSco inspects, documents the damage with photos and provides a written estimate.
Contact your insurer
Coverage depends on your policy and your insurance company. Check your deductible and filing deadlines.
Claim tips worth knowing
Read your policy for deductibles and whether it pays replacement cost or actual cash value.
Report damage promptly; many policies set time limits.
Keep copies of every photo, estimate and letter.
Share your roofer's photos and written estimate with the adjuster.
If the decision seems wrong, you can ask for a review. See what to do if your roof insurance claim is denied.
Spotting hail damage you might have missed
Years later, hail damage looks different than it did the week of the storm. The dark spots where granules were knocked off fade to gray, and the cracks in the mat may have widened. Gutters and vents usually still carry the dents, which is a quick clue from the ground.
Inside, look for small ceiling stains near the outer walls and damp spots in the attic after heavy rain. These can mean water is finding cracks the storm left behind. Our guide on can a roof leak without ceiling damage explains how a leak can stay hidden in the attic for a while before it shows.
Repair or replace after hail
If damage is limited to a few spots, a repair can handle it. If bruises cover most of the roof, or the roof was already old, replacement may make more sense. Compare options on roof replacement in Terrell and learn about roof insurance claims.
GemSco is family owned, fully licensed and insured, with 20+ years of experience and free estimates. Learn more about our hail damage roof repair service or our work in Terrell.
Frequently Asked Questions
My Terrell roof did not leak after the 2023 hail. Could it still be damaged?
Yes. Hail often cracks the shingle mat or knocks off granules without causing a leak right away. The damaged spots wear faster and can start leaking months or years later. An inspection can show whether old hail damage is still there and how much of the roof it affects.
Will my insurance pay for a new roof after hail?
That depends on your policy and your insurance company. Some pay replacement cost, some pay actual cash value, and each claim is judged on the damage found. GemSco can inspect, document the damage with photos and provide a written estimate to share with your insurer.
What is the difference between hail and wind damage on a roof?
Hail leaves round bruises, cracks and dents scattered across slopes. Wind lifts, creases or tears off shingles, usually along edges and ridges. Storms often bring both. Our blog has a guide on wind damage versus hail damage that shows how to tell them apart.
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