Insurance Claim Help · Central Texas Hail Corridor
Hail claim help that actually helps.
Central Texas averages 2–4 significant NOAA-confirmed hail events per county per year. Glacier documents damage at no charge, walks the roof with your adjuster, and submits supplements when carrier scope underestimates 2026 material pricing — which it routinely does.
Carriers we work with regularly
Glacier handles hail damage claims through every major homeowners carrier writing residential policies in Texas — USAA, State Farm, Allstate, Travelers, Farmers, Liberty Mutual, Nationwide, Texas Farm Bureau, plus the Lloyd’s-based specialty carriers common in higher-value Central Texas properties.
We’re not public adjusters — public adjusters work for the homeowner against the carrier for a percentage of settlement. We’re the roofing/siding/window contractor whose written quote becomes the basis for the carrier’s scope. Documentation and contractor-led supplements are part of our standard process at no extra cost.
The Central Texas hail claim timeline
- Day 0–2 · File the claim. Call your carrier, get a claim number, schedule the adjuster inspection. Most carriers accept the claim filing within 12 months of the documented hail event, but tight deadlines can apply — don’t wait.
- Day 1–2 · Glacier documents damage at no charge. We photograph impact patterns, mark hail-strike test patches, write the impact report. Pre-adjuster documentation gives you the strongest position when the scope arrives.
- Day 3–10 · Adjuster inspection. When scheduling permits, Glacier walks the roof with your adjuster — we catch missed damage on roughly 30% of inspections (most often chimney flashing, valley shingles, and damaged ridge cap that adjusters often mark as “weathered” rather than “impact”).
- Day 8–12 · Glacier 24-hour written quote. Per-square pricing on your shingle system, ventilation, flashings, decking replacement. NFRC labels and warranty documentation included. The contractor quote sits beside the adjuster scope for direct comparison.
- Day 10–18 · Supplement if needed. When the adjuster’s scope undercounts squares, omits damaged components, or uses outdated material pricing, Glacier submits a supplement with documentation. Carriers approve supplements regularly when the documentation is strong.
- Day 21+ · Install. Tear-off and install runs 1–2 days for most Central Texas homes. Final invoice matches approved scope. You pay your deductible; the carrier pays us directly.
What you should photograph right now
If a hail event just hit your home, photograph from the ground before you call anyone. Carrier adjusters are most persuaded by date-stamped photos taken immediately after the event:
- Hailstones on the ground, ideally next to a quarter or ruler for scale
- Dented gutters, dented downspouts, dented HVAC condenser fins, dented mailbox
- Granule loss in gutters and at downspout outlets
- Any visible shingle damage, lifted shingles, missing shingles
- Damaged screens or cracked window panes
- Vehicles or outdoor furniture with dimples (collateral evidence of stone size)
Don’t climb on the roof. Glacier handles that part during our free post-storm inspection — typically within 48 hours of your call.
Just got hit? Call before the adjuster.
Free 48-hour post-storm inspection. Damage documentation in writing. We don’t charge for any of this — it’s how we earn the install when the scope finalizes.