Hail Damage and Insurance: What Homeowners Need to Know

If you live in North Texas, you know that hailstorms aren’t just an occasional inconvenience—they’re practically a seasonal event. Whether you're in Dallas, Fort Worth, Frisco, or McKinney, chances are you’ve had to deal with hail damage at some point.

The good news? Most homeowners insurance policies cover hail damage. The bad news? Many homeowners get underpaid or denied coverage simply because they don’t understand the claims process.

That’s where Specialty Contractors Inc. comes in. As a preferred contractor for over 35 insurance companies, we specialize in helping homeowners get maximum insurance payouts while restoring their homes to better-than-new condition.

In this guide, we’ll break down:
✔️ How to identify hail damage
✔️ The insurance claims process with top providers (State Farm, Allstate, AAA, Farmers, USAA, and more)
✔️ Why choosing a preferred contractor makes all the difference
✔️ What to expect during the reconstruction process

Step 1: How to Identify Hail Damage

Hailstorms can wreak havoc on your roof, siding, gutters, windows, and exterior paint—but not all damage is obvious. Insurance adjusters sometimes miss or downplay damage, leading to lower payouts.

Signs of Hail Damage:

🔹 Roof Damage – Missing or cracked shingles, bruised asphalt, granule loss (bald spots), and dents on metal roofing.
🔹 Gutter & Downspout Dents – Hail leaves small dents and cracks, which weaken your drainage system.
🔹 Siding & Exterior Damage – Holes, cracks, and dents in vinyl, wood, or stucco siding.
🔹 Window & Frame Damage – Chips or cracks in glass, broken seals, or dents in metal frames.
🔹 HVAC Unit & Outdoor Fixtures – Dented AC units, damaged deck railings, and battered outdoor furniture.

If you suspect hail damage, act fast. Most insurance policies have a limited timeframe to file a claim (usually one year from the date of the storm).

Step 2: Filing an Insurance Claim for Hail Damage

Hail damage claims might seem straightforward, but insurance companies don’t always make it easy. Here’s how to ensure you get the full payout you deserve.

1. Document Everything

📸 Take high-resolution photos and videos of all visible damage. Include timestamps if possible.
📄 Keep weather reports from the day of the storm—this helps prove the event caused the damage.

2. Contact Your Insurance Provider

If you’re with State Farm, Allstate, AAA, Farmers, USAA, or another top insurer, report the claim as soon as possible. The sooner you file, the faster your case gets processed.

3. Get a Professional Inspection

Insurance adjusters work for the insurance company—not for you. Their job is to minimize payouts, so they may miss or underestimate the full extent of damage.

✅ Tip: Call Specialty Contractors Inc. for a free professional damage assessment before or during the adjuster’s visit.

4. Adjuster Inspection & Claim Review

The insurance company will send an adjuster to inspect the damage. They will either:
✔ Approve your claim at full value
✔ Approve a lower amount than what’s needed for repairs
✔ Deny your claim altogether (if they don’t believe the damage is severe enough)

5. Supplement Requests & Negotiation

If the adjuster’s estimate is too low (which happens often), we submit a supplemental claim with proof of the actual damage and repair costs.

🔹 Because we’re a preferred contractor, we know how to navigate insurance negotiations. We work directly with adjusters to ensure you get the maximum payout for your hail damage repairs.

Step 3: Why You Need a Preferred Contractor Like Specialty Contractors Inc.

What is a Preferred Contractor?

A preferred contractor is a company that insurance companies trust due to a proven track record of high-quality work, compliance, and efficiency.

Specialty Contractors Inc. is a preferred contractor for over 35+ insurance providers, including State Farm, Allstate, AAA, Farmers, and USAA.

The Benefits of Hiring a Preferred Contractor:

✅ Faster claim approvals – We work closely with insurance adjusters to avoid delays.
✅ Higher payouts – We provide detailed reports to ensure no damage is overlooked.
✅ Better materials & workmanship – We use top-tier roofing, siding, and exterior materials at a lower cost thanks to collective buying power.
✅ No insurance headaches – We handle all negotiations, so you don’t have to.

Don’t let insurance companies dictate how your home is restored. Hire a contractor who works for YOU.

Step 4: The Hail Damage Reconstruction Process

Once your claim is approved, reconstruction begins. Here’s what you can expect:

1. Roof Replacement & Repairs

Hail damage often weakens shingles, leading to leaks, mold, and future issues. We install high-quality impact-resistant roofing to protect against future storms.

🛠 Timeline: 1-3 days

2. Siding, Gutters & Exterior Repairs

We repair or replace damaged siding, gutters, and downspouts to restore your home’s curb appeal and functionality.

🛠 Timeline: 2-5 days

3. Window & Door Replacement

If hail cracked or shattered windows, we replace them with energy-efficient, storm-resistant options.

🛠 Timeline: 1-2 days

4. Final Inspection & Quality Check

We conduct a final walkthrough to ensure every repair meets industry standards, local building codes, and your satisfaction.

🛠 Timeline: 1 day



Step 5: How to Maximize Your Insurance Payout

Want to make sure you’re not leaving money on the table? Follow these expert tips:

✔ Don’t wait to file your claim – Most insurers have 1-year limits for hail damage claims.
✔ Get a professional inspection – Never rely solely on the insurance adjuster’s estimate.
✔ Use a contractor with insurance experience – Specialty Contractors Inc. knows how to fight for what you’re owed.
✔ Don’t accept a low first offer – We negotiate with adjusters to get supplemental claims approved when needed.
✔ Choose quality materials – If you’re getting a new roof or siding, opt for impact-resistant options to save on future repairs.

Final Thoughts: Get Hail Damage Repairs Done Right

Hail damage can be stressful, but with the right team on your side, it doesn’t have to be a nightmare.

As a preferred contractor for 35+ top insurance companies, Specialty Contractors Inc. ensures you get the best possible repair work, faster approvals, and maximum payouts.

📞 Call us today at 214-389-5130
🌎 Visit us at www.callspecialty.com

Don’t let insurance companies shortchange your repairs—we’ll fight to get your home restored the right way. 🚧🏡💪