Free Storm Damage Inspections • Insurance Claim Assistance • Same-Week Scheduling Available
Central Texas is one of the most hail-active regions in the United States. Bell, McLennan, and Williamson counties experience multiple significant hail events every year — and after each one, hundreds of homeowners are left with roof and siding damage they may not even know they have. Hail damage is deceptive: it looks minor on the surface while silently reducing your roof’s remaining life by years.
Glacier Home Exteriors provides free post-storm exterior inspections throughout the Waco–Temple–Killeen corridor. We document damage professionally, work with your insurance adjuster, and complete repairs and replacements with materials rated for the next storm — not just the last one.
A hailstone doesn’t need to break a shingle to damage it. The impact from a golf-ball-sized stone (1.75″) traveling at 40–60 mph creates a bruise in the shingle — a compressed area where granules have been knocked loose and the mat beneath is fractured. That bruised area no longer sheds water effectively. UV exposure accelerates the degradation at the impact point. Over 18–24 months, what looked like a minor ding becomes a leak path.
Class 4 impact-resistant shingles — which we install on all replacement projects — are tested to withstand a 2″ steel ball dropped from 20 feet without fracturing. Standard 3-tab shingles have no such rating. Upgrading to Class 4 IR shingles after a hail event is the most cost-effective single step a Central Texas homeowner can take to reduce future storm vulnerability.
1. Don’t go on the roof yourself. Wet or storm-damaged roofing is a serious fall hazard. Walking on hail-bruised shingles can also worsen the damage.
2. Document what you can safely see from the ground. Photograph dents in gutters, downspouts, and any cracked or broken siding. Metal dents are a reliable indicator that roofing sustained impact too.
3. Call a contractor before you call insurance. Get a professional inspection and written damage report first. This documentation is far more useful to your adjuster than homeowner photos alone. Glacier Home Exteriors provides this at no charge throughout Central Texas.
4. File your claim with documentation in hand. Submit the contractor’s report with your claim. Attend the adjuster visit with your contractor present — adjusters work quickly and miss things. Having a professional advocate there ensures all documented damage makes it into the claim scope.
After you file a claim, your insurance company assigns an adjuster to inspect the damage. The adjuster produces a scope of loss — a written description of what they found and what they’ll cover. This scope is negotiable. If the adjuster’s scope misses damage that our inspection documented, we provide the documentation to support a supplement.
Most Texas homeowner policies cover hail damage to roofing, siding, and windows as named perils. Your out-of-pocket cost is typically your deductible. Policies vary — Actual Cash Value (ACV) policies pay the depreciated value of damaged materials, while Replacement Cost Value (RCV) policies pay full replacement cost after repairs are completed. Know which policy you have before signing any work authorization.
Glacier Home Exteriors works with all major Texas insurance carriers and has assisted hundreds of Central Texas homeowners through the claims process.
Roof Replacement: Full tear-off and replacement with Class 4 impact-resistant shingles from GAF or Owens Corning, or metal roofing for maximum hail resistance. Backed by manufacturer and workmanship warranties.
Siding Replacement: Hail-damaged vinyl siding is replaced with James Hardie fiber cement — the material specifically engineered to resist the next storm. We also repair and replace damaged fiber cement and wood siding.
Window Replacement: Hail breaks window seals and, at larger sizes, cracks glass. We replace damaged windows with Low-E double-pane units rated for Central Texas thermal conditions.
Gutters and Trim: Gutters dented by hail lose their shape and capacity. We replace damaged gutters and exterior trim as part of the complete storm restoration scope.
You probably can’t tell from the ground. Hail damage appears as circular bruising, granule displacement, and micro-fractures on the shingle surface — visible on close inspection but not typically from street level. Dented gutters and downspouts are the most reliable ground-level indicator. Get a free professional inspection after any significant storm.
Most Texas policies cover hail damage to roofing, siding, and windows as named perils. Your cost is typically limited to your deductible. We provide free inspections and documentation to support your claim.
Texas law gives homeowners one year from the date of loss to file a claim for hail damage (increased from the previous two-year window in recent legislative changes — check your specific policy). Don’t wait. Damage worsens over time, and older damage is harder to document and claim.
ACV (Actual Cash Value) pays you the depreciated value of your damaged materials — you cover the difference between that payment and actual replacement cost. RCV (Replacement Cost Value) pays the full replacement cost after you complete the repairs. RCV policies produce significantly larger claim payments. Review your policy declarations page to confirm which you have.
We serve Temple, Waco, Killeen, Georgetown, Belton, Harker Heights, and all of Bell, McLennan & Williamson counties. Call or text 254-265-8898 to schedule your free post-storm inspection.
