Should I Call a Roofer or Insurance First After a Hailstorm?

Call a roofer first. A professional inspection with photo documentation gives you the evidence you need before filing a claim — and prevents unnecessary claims on your CLUE report if the damage doesn’t warrant one. Here’s exactly why the order matters and what happens at each step.

Why Roofer First, Insurance Second

You get documentation before filing. A professional inspection provides test-square hail counts, component damage photos, and a written report. This evidence strengthens your claim and gives the adjuster something concrete to verify — not just your verbal description of “I think my roof might be damaged.”

You avoid unnecessary claims. Every claim you file goes on your CLUE report — a database insurers use for 7 years. If we inspect your roof and find the damage doesn’t warrant a claim, we tell you. That saves you from a claim record that could affect future premiums or insurability.

You know what to expect. Our report tells you the damage scope, likely repair/replacement cost, and whether insurance should cover it — before you call your agent. No surprises.

The Correct Order After a Hailstorm

Step 1: Document ground-level evidence yourself (photos of dented gutters, car damage, etc.)
Step 2: Call a local roofer for professional inspection — (737) 738-8111
Step 3: Review the inspection report and discuss findings
Step 4: If damage warrants a claim, file with your insurance (attach our report)
Step 5: Have your roofer present for the adjuster inspection
Step 6: If approved, schedule replacement. If denied, appeal with supplemental documentation.

Timeline: From initial call to completed roof is typically 2–4 weeks when insurance is involved. The inspection itself takes 45 minutes and happens within 24–48 hours of your call.

What If I Already Called Insurance First?

Not a problem. If you’ve already filed and the adjuster is scheduled, call us before their visit. We can inspect ahead of time and attend the adjuster meeting with documentation — which significantly improves your claim outcome. If the claim was already denied, we can still help with re-inspection requests and the appraisal clause.

Important Texas Deadlines

1 year from storm date to file a hail damage claim. Don’t wait — adjusters are overwhelmed after major storms, and longer delays make it harder to prove damage was storm-related vs. “wear and tear.” The sooner you get inspected and file, the stronger your claim.