What Hail Does to an Irving Roof
North Texas sits in one of the most hail-prone parts of the country. Between 2017 and 2019 alone, Texas policyholders filed 637,977 hail claims according to NICB, the National Insurance Crime Bureau, and Dallas ranked among the top five U.S. cities with 25,262. Regional history includes the May 5, 1995 Mayfest storm in Fort Worth and the April 11, 2016 Wylie storm, which dropped hail up to softball size.
On a shingle roof, hail damage is not always obvious from the ground. What we look for on hail damaged shingles:
- Bruises: soft spots where the mat underneath has been crushed, even if the surface looks intact
- Granule loss in round patterns, exposing black asphalt that then bakes in the sun
- Cracks and fractures through the shingle, sometimes only visible when the tab is lifted
- Split or punctured shingles on older, brittle roofs
- Collateral damage: dented vents, ridge caps, gutters, downspouts, window screens and AC fins
Should You Repair or Replace After Hail Storm Damage in DFW?
The answer depends on how widespread the damage is, how old the roof is and whether new shingles can be matched to the old ones.
| Situation | Usual outcome |
|---|---|
| Hits limited to one or two slopes, roof otherwise sound | Repair of those slopes, vents and flashing |
| Bruising on most slopes | Full replacement |
| Older shingle line that is discontinued or faded | Replacement, because patches will not match |
| Damage to soft metals only (vents, gutters) | Component replacement |
| Repairs approaching a large share of a slope | Check local rules before patching |
Local contractors report an Irving "25% rule," said to come from the IRC: if repairs reach a quarter of a slope or more within a 12-month window, the slope or roof may have to be replaced. Treat that as something to confirm with the City of Irving, not a settled rule. When replacement is the answer, our hail damage roof replacement page walks through the process.
What Our Hail Damage Roof Repair in Irving, TX Covers
Hail work splits into two jobs that happen in order: proving what the storm did, then fixing it. The first part matters because some hail damage is latent; a bruised shingle can look fine from the yard for months while its granules wash off and the mat underneath weakens. So the inspection covers the shingles, the soft metals that show dents clearly, and the attic. If your shingle line has been discontinued, we note that in the report, because matching becomes part of the repair-or-replace decision. The repair side follows the scope your insurer approves, or your own budget if you pay directly.
- A free hail damage roof inspection, with every hit marked and photographed slope by slope, plus a written damage report you can share with your insurer
- Attendance at the adjuster's visit, if you want us there, to point out what we documented
- Repairs to shingles, ridge caps, pipe boots, vents and flashing
- Full replacement when damage is widespread, including upgrades to impact-resistant shingles if you choose them
- Metal roof hail damage assessment, including the functional vs. cosmetic question
- Temporary protection to stop active leaks while the claim is in progress
Questions about hail damage roof repair? Talk to us.
Call for a free inspection and a written estimate. Hablamos español.
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From Storm Date to Finished Roof: How a Hail Job Runs
- Call after the storm. Note the date and time if you can; it matters for the claim.
- Free inspection and report. We check the roof, soft metals and attic, mark and photograph the hits, then hand over the photo set with a written explanation of what the damage means for your roof.
- You file the claim, if the damage supports it. We explain the policy terms you show us.
- Adjuster meeting. We can be on the roof to point out the documented damage.
- Scope review. Once the insurer approves a scope, we explain each line and order matching materials.
- Repair or replacement, permitted where required, followed by cleanup and a final walkthrough.
How Does Roof Hail Damage Insurance Work in Texas?
Insurance is often what pays for hail repairs, and Texas law sets clear limits on a roofer's role. The theme running through our replies to Google reviews is getting storm damage identified correctly so the claim is well supported. Our role is documentation and explanation, never negotiation.
- Texas Insurance Code Chapter 4102 allows only a licensed public adjuster to negotiate a claim on your behalf. A roofing contractor may not act as one.
- Texas Insurance Code Chapter 707 makes the deductible yours on an approved claim; a contractor cannot pay it, waive it, rebate it or quietly absorb it into the price.
- Our part: photograph and write up the hail damage, walk you through the policy language you share with us, stand on the roof with the adjuster to show each documented hit, and then build exactly what the insurer approved.
Our roof insurance claims page explains the claim process in more depth.
What Changes the Cost of Hail Repairs
On an insured job, your out-of-pocket cost usually starts with your deductible and any upgrades you choose beyond the approved scope. The Texas Department of Insurance notes that many policies set hail losses under their own deductible, sometimes calculated from your dwelling limit instead of set as a fixed dollar sum. Your declarations page also shows whether the roof is covered at replacement cost or actual cash value, which changes what the insurer pays on an older roof. On a self-paid repair, the price depends on:
- How many slopes and components are damaged
- Whether matching shingles are still available
- Roof pitch, height and access
- Decking or flashing damage found once shingles are lifted
- Whether the work needs a city permit
For context on full replacements, homeyou's Irving data puts a typical job between $6,544 and $7,376, a figure it lists as valid through March 6, 2026. That is a third-party figure, not our price; your free estimate covers your roof.
Why Homeowners Call RJ Premium Roofing After Hail
- Insurance help reviewers mention by name: customers say we helped them understand their coverage before filing a claim
- Every one of our 33 Google reviews is five stars (as of November 2026)
- Documentation first: owner replies on Google center on identifying storm damage correctly
- Reparación de daños por granizo in Spanish or English, from inspection through the final walkthrough
- Clean finishes, with reviewers mentioning cleanup and painted vents
- A written workmanship guarantee that comes with your contract, plus the shingle maker's own warranty on materials
- Fast response and a free inspection after a storm, with dated photos taken before anyone tarps or cleans up, so the evidence matches the storm date
Warranty, Permits and Service Area for Hail Repairs
Hail repairs and replacements are backed by our guarantee on workmanship, written out in the contract, and any new shingles bring their maker's warranty against material defects. Inside Irving, a re-roof is a permitted job; only small repairs up to 100 square feet skip the permit under the city's residential guidance.
After big hailstorms, out-of-town crews arrive fast, and Texas gives homeowners little to check them by: the state issues no roofing license, TDLR has no roofing category and RCAT's program is voluntary. What you can check is local. Irving requires contractors to hold an annual city registration, and Irving Inspections, (972) 721-2371, can tell you whether a permit was pulled for your address. Ask any roofer for that registration before signing.
Hail does not stop at city limits, and neither do we. Our crews cover Irving and nearby Dallas, Grand Prairie, Carrollton, Euless and Grapevine, and we inspect a techo dañado por granizo anywhere in the Metroplex.
