Hail Damage in Wylie, TX: Checking, Documenting and Repairing Your Roof
Hail is a regular visitor in Wylie. When a storm passes, a few steps in the right order protect your home and your options.
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Wylie's hail history in numbers
NOAA's Storm Prediction Center logged 93 hail reports within 10 miles of Wylie from 2015 through 2024. Of those, 32 were 1.75 inches or larger, about golf ball size or bigger. Large hail fell in 6 of those 10 years: 2016, 2018, 2019, 2021, 2022 and 2023.
The largest report was 5.25 inches, on April 11, 2016. Hail of that size can punch through shingles and decking, break skylights and crush gutters. Most storms are smaller, but even modest hail strips granules and bruises the shingle mat. That damage often does not leak right away, which is why many homeowners only find it months later.
Wylie spans Rockwall, Dallas and Collin counties, so local storm coverage can list the same event under different county names. For your roof, what counts is what an inspection finds on each slope.
One more point: a roof replaced after an earlier storm is not immune to the next one. With large hail in so many recent years, even a roof that is only a few years old deserves a check after a big event. Newer shingles show bruises clearly, which makes the inspection faster and the photos easier to read.
What hail damage looks like
Dark spots where granules were knocked off, often round.
Soft areas on shingles that feel like a bruise when pressed.
Cracks or splits radiating from an impact point.
Dents in vents, flashing, gutters and downspouts.
Cracked skylight domes or broken vent caps.
Chipped paint or spatter marks on fences, decks and window trim on the side the storm came from.
Dents on the hood or roof of cars that were parked outside during the storm.
Granules collected at the bottom of downspouts. See wind damage vs. hail damage to tell the two apart.
After the storm: the order that works
Safety first
Stay off the roof and away from downed lines. If water is entering, call for emergency roof repair.
Document the date and damage
Photograph the yard, gutters, siding, fences and cars soon after the storm.
Get a professional inspection
A roofer documents each slope with photos and gives you a written estimate.
Review your policy
Check your deductible and reporting rules before you call your insurer.
Choose a contractor carefully
Read questions to ask before hiring a roofing contractor before signing anything.
How insurance fits in
Your policy decides
Coverage depends on your policy terms and your insurance company, not on the roofer.
Deductibles vary
Some wind and hail deductibles are a percentage of the home's insured value.
Payment basis
Replacement cost and actual cash value policies pay differently for older roofs.
What GemSco does
We inspect, document the damage with photos and give you a written estimate. See roof insurance claims.
Repair, replace and what to install next
If the damage is limited to a few spots, a repair may do. If hail marks are spread over most slopes, replacement is usually the better path. Shingles tested to UL 2218 Class 4 are designed to resist impact better than standard ones and are worth considering in an area with this record. See roof replacement in Wylie, our hail damage roof repair page and our Wylie page.
Frequently Asked Questions
How do I know if the last storm hit my house?
Look at soft metals first: gutters, downspouts, vent caps and AC fins. Fresh dents there are a good sign the roof was hit too. Granules at the downspouts and torn screens are other clues. To know for sure, have the roof inspected and photographed slope by slope.
Will my premium go up if I file a hail claim?
That depends on your insurer, your policy and your claim history. Some homeowners ask their agent about this before filing. An inspection with photos and a written estimate helps you understand the size of the damage before you decide how to proceed.
The adjuster missed damage. What can I do?
You can ask for a re-inspection and share your own photos and the roofer's documentation. Our blog has guides on what to do when a roof claim is underpaid or denied. The final decision rests with your insurer under the terms of your policy.
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