Hail Damage Roof Claims in San Antonio: Deductibles, Adjusters, and Storm Chasers
Bexar County gets hail most springs, and within 48 hours of a serious cell the neighborhood fills with door knockers. Some are legitimate local companies working a storm. Many are not. This is how a San Antonio hail claim actually works, what your deductible probably is, and the specific pitches that should end a conversation.
By Jason Green · Roofing & Gutters · Published August 12, 2026 · 9 min read
Find your deductible before you do anything
Texas homeowners policies commonly separate wind and hail from the rest of the coverage and apply a percentage deductible — 1% or 2% of the dwelling limit is typical. On a $400,000 dwelling limit, 2% is $8,000, and no repair under that is worth a claim.
Your declarations page states it plainly. Look before you let anyone up on the roof, because it determines whether you are having an insurance conversation or a cash conversation.
What an adjuster is actually looking for
Adjusters look for hail bruising — soft spots where the mat is fractured and granules are displaced — counted within test squares on each slope, plus damage to soft metals like gutters, vents and the AC condenser fins, which corroborate that hail of a damaging size fell on your property.
Cosmetic granule loss from age is not hail damage, and a claim built on it will be denied. Take your own dated photos after the storm, including the soft-metal evidence, before any contractor touches anything.
The storm-chaser tells
Out-of-state plates and a phone number that is not local. A contract presented as an authorization to inspect that is actually a contingency agreement assigning the job on approval — read every line before signing anything on your porch. Pressure to sign today because the crew is only in town this week.
And the disqualifier: any offer to pay, waive, rebate or absorb your deductible. Texas law prohibits it. So does any suggestion that they will inflate the estimate to cover it.
Hiring the right way after a storm
Get three bids from companies with a permanent Bexar County address. Texas has no roofing license to check, so verify general liability and workers compensation certificates directly with the insurance agent, and confirm the business has existed for several years.
Ask whether crews are in-house or subcontracted, who pulls the city permit, and what the labor warranty is and who honors it. Then consider Class 4 impact-resistant shingles on the replacement — they resist the next hail event and most carriers discount the premium for them.
Typical cost ranges
| Typical 1% wind/hail deductible ($400k dwelling) | $4,000 |
| Typical 2% wind/hail deductible ($400k dwelling) | $8,000 |
| Independent roof inspection report | $150 - $400 |
| Shingle replacement, 2,000 sq ft roof | $10,500 - $18,000 |
| Class 4 impact-resistant upgrade | add $1,500 - $3,500 |
Ranges are general estimates gathered from homeowner-reported quotes, not an offer or a quote for your project.
Common questions
Can a roofer pay my deductible in Texas?
No. Texas law prohibits a contractor from paying, waiving, rebating or absorbing your insurance deductible, and offering to do so is a red flag for how they run the rest of the job.
Will filing a hail claim raise my rates?
A single weather claim in Texas usually does not raise your rate the way an at-fault liability claim would, but claim history affects future underwriting. Do not file below your deductible.
How long do I have to file?
Policies set their own notice requirements and Texas has statutory time limits, but file promptly — delay makes it harder to attribute damage to a specific storm date.
Want real numbers for your own project?
Two minutes now beats weeks of unreturned calls. Free, no obligation, never more than three roofers.
Get My Free Roofing QuotesLocal cost ranges, seasons, permits and licensing for this city live on the market page.
Roofers in San Antonio, TXSources
More guides
The Henry Standard
Every roofer in our network agrees to three things.
Show up
Call back. Keep appointments. And if something changes, communicate it.
Quote honestly
Clear scope, materials, and pricing in writing—so you know what you're agreeing to.
Finish the work
See the job through and take care of the agreed-upon work before calling it finished.
Nothing revolutionary. Just the way we believe doing business should still be done.