San Antonio roofers urge homeowners to document hail damage before adjusters visit

Homeowners in northeast San Antonio are filing hail damage roof claims after a Sept. 11 storm brought hail up to 2.5 inches in Converse and 1 to 1.5 inches near Kirby. Roof Direct San Antonio says the key questions are what insurance pays, what deductible applies and whether Texas law allows a roofer to waive it.

Why it matters: - Hail claims can determine whether a roof is repaired or fully replaced. - The payout structure also affects whether homeowners can afford the work out of pocket. - Texas law sets rules on deductibles and claim handling that directly shape what homeowners receive.

What happened: - Northeast San Antonio homeowners are filing hail damage roof insurance claims after the Sept. 11, 2026 storm. - The National Weather Service logged hail up to 2.5 inches in Converse, 1 to 1.5 inches near Kirby and a 60 mph gust at Randolph Air Force Base. - Roof Direct San Antonio has been inspecting roofs in the storm path since the morning after the storm. - The company is publishing a homeowner guide for people whose adjuster is about to visit or already has.

The details: - Homeowners should photograph the roof, gutters and any dented vents from the ground, note the date and call their insurer to open the claim. - Texas Department of Insurance guidance says some policies give one year from the date of damage to file unless the homeowner can show good cause for a delay. - Roof Direct San Antonio offers a free hail damage roof inspection and a written damage report with photos of every slope, vent and flashing. - A standard Texas homeowners policy covers hail damage, and the adjuster’s inspection decides whether the roof is repaired or replaced. - Wind and hail deductibles are often 1% to 2% of dwelling coverage, so a $250,000 home at 1% carries a $2,500 deductible. - The declarations page shows the exact deductible. - Texas Insurance Code §551.107 excludes losses from natural causes from the claim counts that can trigger a surcharge or non-renewal. - RCV coverage pays the current cost to replace the roof minus the deductible, usually in two checks. - The first RCV check is reduced by depreciation, and the second check, called recoverable depreciation, comes after the roof is installed and the invoice is submitted. - ACV coverage pays the depreciated value minus the deductible in one check, leaving the homeowner to cover the gap. - The claim pays to replace the roof the homeowner had, and the homeowner chooses the roofer and the shingle. - On most claims with Roof Direct San Antonio, a 3-tab roof comes back as Owens Corning Duration for the approved amount. - Roofs with architectural shingles can often step up to Duration STORM, a Class 4 impact-resistant shingle. - Joshua H. on San Antonio’s far West Side had an April 2025 hail claim approved by Allstate at $14,040 for 3-tab shingles and paid his deductible while insurance covered the rest. - Owens Corning Duration is rated Class 3 under the UL 2218 impact standard. - Owens Corning Duration STORM is rated Class 4, the highest rating. - Both shingles carry a wind warranty up to 160 mph with the full Owens Corning system. - Class 3 and Class 4 shingles can qualify for annual homeowner insurance premium discounts. - Texas requires insurers to offer one premium discount for impact-resistant shingles, and the discount grows with the class. - Texas Insurance Code §707.002 requires the homeowner to pay the deductible. - Texas Insurance Code §707.004 lets the insurer hold back the replacement-cost payment until proof of payment is shown. - Business and Commerce Code §27.02 makes waiving or absorbing the deductible a Class B misdemeanor for the roofer. - Homeowners who need time on the deductible can finance it through Synchrony. - Roof Direct San Antonio says it does not waive or absorb deductibles, and its invoice names the exact shingle installed. - Homeowners should ask for a San Antonio address, the City of San Antonio contractor registration number, a certificate of liability insurance and a written workmanship warranty with the company name on it. - Roof Direct San Antonio is registered with the city as HIC-26-00245 and is an Owens Corning Preferred Contractor. - Roof Direct San Antonio roofs carry a 10-year workmanship warranty backed by Owens Corning through its Preferred Protection program, plus the limited lifetime shingle warranty. - Owens Corning registers workmanship coverage only for its Preferred Contractors. - The storm’s 60 mph gust was measured at Randolph Air Force Base, near Schertz. - Schertz homeowners can enter an address at Roof Replacement Schertz TX and see a replacement price in under two minutes. - Roof Direct San Antonio serves Stone Oak, Alamo Heights, Helotes, Boerne, New Braunfels, Schertz, Cibolo, Seguin, Converse, Live Oak, Bulverde and Shavano Park. - The company works with hail and storm insurance claims every season and shows homeowners the replacement price online before the first phone call. - Roof Direct San Antonio is locally owned, based in San Antonio and focused exclusively on residential roof replacement with instant online pricing and Owens Corning products. - The company says it charges 40% to 50% less than premium San Antonio roofers by operating without commissioned salespeople, showrooms or TV advertising. - Roof Direct San Antonio says it has served the San Antonio metro area since 2009, working with the same installation crew across Bexar, Comal, Guadalupe, Kendall and Atascosa counties. - More information is available at RoofDirectSA.com or by calling (210) 848-6538.

Between the lines: - The guide is part consumer advice and part sales pitch for Roof Direct San Antonio’s inspection and replacement process. - The company uses the storm as a proof point for why homeowners should document damage early and compare deductibles, coverage types and contractor credentials before signing a contract. - The emphasis on local registration, warranty coverage and no-deductible waivers signals a broader push to distinguish established roofers from storm-chasing crews.

What’s next: - Homeowners with damage are likely to move from documentation to insurer inspections, then to repair or replacement decisions. - Claims outcomes will depend on policy language, deductible amount, adjuster findings and whether the roof qualifies for RCV or ACV treatment. - Homeowners who want an impact-resistant upgrade may use the claim process to move from 3-tab shingles to higher-rated products where coverage allows.

The bottom line: - After a hailstorm, the fastest way to protect a roof claim is to document the damage, know the deductible and verify the roofer before the adjuster arrives.