Hail in Palo Pinto County, TX

Damage can be invisible from the ground

At Palo Pinto County's typical sizes, hail often bruises shingles and loosens granules without obvious holes, shortening roof life in ways that are easy to miss until the next storm or an inspection.

Document before you repair

If you suspect hail damage, photograph it and note the storm's date before making any repairs. Undocumented or already-fixed damage is much harder to claim later.

Claims have deadlines

Policies set a deadline for hail-damage claims, and state law may also apply. Windows range from months to several years depending on your state and policy. Knowing the exact date hail hit your address helps you file on time.

Replacement cost vs. actual cash value

An RCV policy pays to replace your roof at today's prices; an ACV policy subtracts depreciation for the roof's age, which can mean a much smaller check on an older roof. Knowing which you carry shapes what a hail claim is actually worth.

Keep a 'before' record

Photos of your roof and exterior in good condition make new hail damage much easier to prove later. A few shots now, before the next storm, can save an argument with an adjuster over what's old wear and what's storm damage.

Know your hail deductible

Many policies in hail-prone states use a percentage deductible, often 1–2% of the home's insured value rather than a flat dollar amount. On a $400,000 home that can be $4,000–$8,000 out of pocket before coverage starts, so it's worth checking your declarations page before a storm.