Homeowner Guide
San Antonio Roof Damage & Insurance Guide
Clear steps after hail or windstorms -- built on official Texas Department of Insurance guidance.
What should I do right after hail or windstorm roof damage?
Document the damage with photos and video, prevent additional damage if it's safe, and contact your insurer to start the claim process. A professional roof inspection with written documentation can help support your claim.
How HomeRiz supports the claim process
We provide a documented inspection (photos + written notes) so you can communicate clearly with your insurer. If requested, we can meet the adjuster on-site to review documented damage.
Common mistakes that delay claims
- Waiting too long to document damage
- Not preventing additional damage when safe to do so
- Using contractors who won't provide documentation
- Not understanding policy terms (deductibles, settlement, exclusions)
Frequently Asked Questions
What should I do right after hail or windstorm roof damage?
Document the damage with photos and video, prevent additional damage if it's safe, and contact your insurer to start the claim process. A professional roof inspection with written documentation can help support your claim.
Does homeowner's insurance cover hail damage in San Antonio?
Most homeowner's insurance policies in San Antonio cover sudden hail damage, but not wear and tear. Coverage typically applies when a storm causes functional damage such as bruised shingles or punctures. A professional inspection and documentation are usually required before filing a claim.
What is a Class 4 shingle and why does it matter in San Antonio?
A Class 4 shingle is impact-resistant roofing material tested to withstand hail strikes. In San Antonio, where hail events occur periodically, Class 4 shingles can reduce damage risk and may qualify for insurance premium discounts. They are especially beneficial for long-term durability in high-impact zones.
How long does a roof replacement take in Bexar County?
Most residential roof replacements in Bexar County are completed in one to two days, depending on size, slope, and weather conditions. Larger homes or complex rooflines may require additional time for proper installation and inspection.
Is it better to repair or replace a roof?
Repair is appropriate when damage is isolated and the roof is structurally sound. Replacement is typically recommended when the roof is near the end of its service life or has widespread storm damage. A full inspection determines the most cost-effective option.
What voids a roofing warranty?
Common causes of voided warranties include improper installation, poor ventilation, unauthorized modifications, and failure to maintain the roof system. Manufacturer warranties may also require specific installation standards to remain valid.
How important is attic ventilation in San Antonio?
Attic ventilation is critical in San Antonio's high-heat climate. Inadequate ventilation can trap heat, accelerate shingle deterioration, and increase energy costs. Proper airflow helps regulate temperature and extend roofing material lifespan.
Can you install new shingles over old shingles?
While building codes may allow a second layer in some cases, installing new shingles over old ones can reduce lifespan and hide underlying damage. Full tear-off is generally recommended for long-term performance and inspection accuracy.
Next step
If you suspect storm damage, schedule an inspection and get documentation early.