Hail and roof replacement
Hail does not automatically mean you need a replacement. Start with documented roof conditions, then compare the proposed work with your questions about repair, materials, and any insurance documents.
Even a short Texas hailstorm can cause serious roof damage. Hailstones — especially those over 1" — can: Bruise and crack shingles; Knock off protective granules; Dent soft metals like vents and flashing; Loosen tiles or damage underlayment; Create soft spots that lead to future leaks. This type of storm damage often isn’t visible from the ground, and may not leak right away. That’s why a professional inspection is key.
A roof inspection assesses visible roof conditions, where safe access allows, before the scope of work is set. Localized repair may be appropriate when the surrounding system is sound. Replacement is warranted when damage is widespread, the roof is near the end of its useful life, or the system can no longer be repaired reliably. A few visible damaged shingles do not establish that a small repair is sufficient.
There is no single filing deadline that applies to every roof claim. Check your policy for notice and filing requirements, and contact your insurer promptly after you discover possible damage to ask which deadlines apply to your loss. Keep the storm date, photos, and repair receipts. TDI explains that deadlines vary by policy and notes specific rules for some policies.
If your insurer approves a claim, review its estimate alongside the roof conditions we observed. We can provide photos, measurements, and a written roofing estimate for you to discuss with your insurer. Your insurer decides coverage and any revised payment. Project timing depends on scope, weather, materials, and scheduling.
“My roof is not leaking, so I am fine.” A leak is not the only sign of damage; an inspection can document visible and accessible conditions. “My neighbors had roof work, so I need a new roof.” Damage varies by roof and material; an inspection comes before a recommendation. “I worry a storm claim will raise my rate.” TDI says a homeowners insurer cannot charge more for a claim involving damage from natural causes, including weather. That protection is about a surcharge for that claim; overall premiums and policy-renewal decisions can still change for other reasons. Ask your insurer how the rule applies to your policy and see TDI’s current guidance.
What you can expect
We document storm and hail damage with photos, measurements, and a detailed estimate you own. You and your insurer file and settle the claim — we provide documentation and support only.
Read the supporting details ↗Zilker Roofing is not a licensed public adjuster. We do not file insurance claims on your behalf, negotiate with your insurance carrier, or speak to your insurer without your involvement. We provide documentation and support only.
Read the supporting details ↗Zilker Roofing does not use Assignment of Benefits contracts. The homeowner remains the policyholder in control of their claim at all times. We never ask customers to sign over their insurance rights to us.
Read the supporting details ↗Roof inspection
Choose an available time to talk about an inspection, or get in touch with a question about your roof.
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Contact Zilker Call (512) 893-7663Office hours: Mon-Fri 8am-5pm, Sat 8am-12pm, Sun Closed
Before you decide
Central Texas UV, heat, thermal cycling, and hail shorten roofing life compared with manufacturer marketing ranges. Asphalt shingles have a broad 10–20-year range; product and installation affect where a roof falls within it. Standing-seam metal commonly lasts 40–70 years. Tile and slate can last 50+ years as materials, though the underlayment beneath tile needs replacement sooner. TPO membranes commonly last 20–30 years. Ventilation, installation quality, and maintenance affect the life a particular roof delivers. These are material ranges, not a diagnosis of an individual roof.
A thorough inspection includes examining shingles, flashing, ventilation, gutters, and checking for leaks or structural damage.
Check your policy’s notice and filing terms, and contact your insurer promptly after possible damage. There is no single deadline for every policy. We can provide roof observations, photos, and an estimate; the insurer decides coverage.
Roof replacements carry Zilker Roofing's 5-year workmanship warranty, and repairs carry a 2-year workmanship warranty. The manufacturer's material warranty is separate; its coverage depends on the product and installed system. We document the applicable terms in writing.