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Hail and wind damage is the most common reason for a roof replacement in Dallas, and the most common reason homeowners get burned by storm-chaser scams. Bert Roofing has handled insurance claims in Dallas since 1988. We document the damage, work directly with your adjuster, and never ask you to "waive" your deductible (which is illegal in Texas).
After every major Dallas hail event, out-of-state crews descend on the metroplex with magnetic truck signs and a clipboard. They knock doors, offer to "handle everything," sometimes promise to absorb your deductible, and take the insurance check. Six months later their LLC dissolves and you are the one talking to the warranty manufacturer who has no record of the install.
Two specific Texas laws matter here. Under HB 2102, a contractor offering to rebate, waive, or absorb a homeowner's deductible is committing insurance fraud, and the homeowner can be on the hook too. Under Chapter 1304, your roofer must be RCAT-licensed to handle insurance work. Bert Roofing is RCAT licensed, A+ BBB rated since 1990, and incorporated in Dallas County since 1988. We are still the company you can call in year five when the warranty actually needs to do something.
Most hail damage is invisible from the street. These six signs are what you can look at first, before you climb anything. If any of them are present, an inspection is worth doing.
After a hail event, asphalt shingles shed granules into the gutters and downspouts. A handful of granules is normal weathering. A pile is a sign of hail impact.
Visible only from the roof. Hail strikes leave round depressions where the granule layer has been knocked off, exposing the black asphalt mat. These bruises will fail within 1 to 5 years.
Look at gutters, downspouts, vents, AC fins, and metal flashing. Hail leaves dents in soft metals. If those are dented, your roof was hit too.
Ceiling stains, drip sounds, water down a wall. Hail rarely causes immediate leaks, but wind can lift shingles enough to let water in. Tarp first, inspect later.
Wind speeds above 60 mph can lift shingles even on a sound roof. Lifted shingles seal back down imperfectly and become long-term failure points.
Anything sticking up off the roof takes a disproportionate hit. Skylight frames bend, ridge vents collapse, turtle vents crack.
A project manager climbs the roof, finds and documents every hail strike and wind-lifted shingle with photos. We tell you whether the damage is claimable before you involve your insurance company.
If the damage is claimable, you call your insurance company to open the claim. We give you the address, photos, and a statement of the loss you can submit.
The adjuster comes out to verify the damage. We can be there with you, point out the strikes the adjuster might miss, and supplement the scope where needed.
The adjuster issues an estimate with a scope of loss. We review it line by line. If items were missed (ridge cap, drip edge, ventilation, code upgrades), we file a supplement before approval.
You sign a contract, we pull permits, and install the new roof. Tear-off and replacement run the standard 2 to 3 days for most homes.
We send invoice, photos, and completion certificate to your insurance company. The depreciation portion (the difference between ACV and RCV) gets released to the homeowner.
Three things in order: control, cover, call. Put a bucket under the active drip. Cover any furniture in the affected room with plastic. Then call us at 214-321-9341. We tarp and board up active water entry the same day if conditions allow (no one can safely walk a wet roof in the rain or after dark). The tarp and board-up are usually a covered expense on your claim.
Tell us where you are and what happened. A Bert Roofing project manager will inspect the roof, document any damage, and tell you whether it is worth filing a claim. No obligation, no high-pressure pitch, no door-knock surprise visits.
