Hail Damage on Your Roof in The Colony, TX: What to Do Next
After a hailstorm, the roof is the part of the house you cannot see well, and it often takes the worst of it. Here is how to check, document and repair it.
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The Colony's hail record from 2015 to 2024
NOAA's Storm Prediction Center logged 180 hail reports within 10 miles of The Colony from 2015 through 2024. Of those, 58 measured 1.75 inches or larger, roughly the size of a golf ball. Large hail fell in 8 of those 10 years: 2016, 2017, 2018, 2019, 2021, 2022, 2023 and 2024.
The largest report was 3.5 inches, on June 11, 2023. Hail that big can puncture shingles and crack vent covers. Smaller stones still matter. They knock granules loose and bruise the mat, which shortens the life of the roof even when nothing leaks right away.
The first days after the storm
Check from the ground
Look for dented gutters, downspouts, AC fins and vent caps. Dents there suggest the roof was hit too.
Take dated photos
Photograph the yard, the siding, the gutters and any ceiling stains. Our list of photos to take after roof storm damage helps.
Cover any opening
If water is coming in, a temporary cover limits the damage. Emergency roof repair is the place to start.
Get a roof inspection
A roofer looks for bruises, cracks and missing granules on every slope, and documents them with photos.
Read your policy
Check your deductible and any deadlines before you call your insurer.
What hail does to different parts of the roof
Asphalt shingles
Dark spots where granules are gone, soft bruises and cracks along the hit.
Metal panels and flashing
Round dents. Some are cosmetic, some open seams or fasteners.
Vents and pipe boots
Cracked plastic caps and torn rubber let water in right at the opening.
Gutters
Dents can change how water drains, so check them with the roof. See gutter installation in The Colony.
Insurance and paperwork
Coverage for hail damage depends on your policy and on your insurance company. Some policies pay replacement cost, others actual cash value, and the deductible can be a fixed amount or a percentage. GemSco inspects the roof, documents the damage with photos and gives you a written estimate. You and your insurer handle the claim decision. Our roof insurance claims page explains how that process works.
Be careful with anyone who knocks on the door right after a storm and asks you to sign on the spot. Read before signing a roofing contract after a storm first. A local contractor should be willing to show you the damage in photos, explain each line of the estimate and give you time to decide.
Keep a simple folder for each storm: the date, your photos, the inspection report, the estimate and every message with your insurer. If the claim is reduced or denied, that record is what you will need to ask for a second look. Our guide on what to do after a hailstorm damages your roof lists the rest.
If you replace, think about impact-rated shingles
Shingles tested to UL 2218 Class 4 are designed to resist hail impact better than standard ones.
No shingle is hail-proof, but stronger ones can reduce damage from smaller stones.
Ask how the shingle and its installation fit together, from underlayment to flashing.
More on our hail damage roof repair service and the The Colony page.
Frequently Asked Questions
How soon after a hailstorm should I have my roof checked?
As soon as it is safe. Damage that does not leak today can let water in during the next storm, and many policies set time limits for reporting a loss. A prompt inspection with photos gives you a clear record of what the storm did while the details are still fresh.
My neighbors are getting new roofs. Does that mean mine is damaged?
Not necessarily. Hail can hit one street hard and miss the next one, and roofs of different ages and materials react differently. The only way to know is to have your own roof inspected and documented, slope by slope, by someone who actually goes up there.
Will the insurance company pay for a new roof?
There is no way to promise that. The answer depends on your policy, your deductible and what the insurer's adjuster finds. What a roofer can do is give you a clear record of the damage with photos and a written estimate, so the decision is based on facts.
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