Texas Hail Damage Insurance Guide

Before the storm: preparation steps

• Review current property and vehicle policies to confirm coverage types and deductible levels.
• Photograph the exterior of your home, roof, vehicles, and outdoor structures.
• Note recent property improvements or repairs.
• Keep receipts for recent maintenance or replacements.

After a storm: documentation steps

• Photograph damage from multiple angles before moving anything.
• Record the date and approximate time of the storm event.
• Note the size, shape, and approximate number of hail impacts.
• Keep broken pieces or samples where safe to do so.

Working with carriers and adjusters

Contact your carrier to report the event and ask about inspection and claim process requirements. Confirm whether temporary repairs are permitted and document all work. Preserve correspondence in writing where possible.

Do not rely on this guide as claim instructions. Confirm all steps directly with your licensed agent and the carrier handling your policy.

Common questions

Does this apply to property and vehicles?

Yes. The documentation principles apply to both. Confirm specific requirements with the carriers involved.

Should I remove hail dents immediately?

No. Do not remove or repair hail damage before photos and documentation are complete. Doing so may complicate claim review. After documenting, contact a licensed professional for repair estimates.

Where should I store damaged materials?

Keep hail-damaged parts in a safe, dry place until an adjuster inspects them. Do not discard them before the claim is settled, unless safety requires immediate removal.