Storms are a part of life in Stephenville, TX. From strong winds to damaging hail, these natural events can wreak havoc on your home—especially your roof. In the aftermath, it’s only natural to want to get things fixed quickly. Unfortunately, it’s in this urgency that predatory roofers strike. These so-called “storm chasers” target vulnerable homeowners right after severe weather hits, offering fast solutions that are often overpriced, poorly done, or never completed at all.

This blog will walk you through how to protect yourself from these shady operators and offer a clear, step-by-step guide to properly claiming hail storm roof damage through your insurance provider. Armed with the right information, you can navigate this process confidently and ensure your roof is repaired by trustworthy professionals.

The Rise of Predatory Roofing Scams

After a storm, especially one involving hail, it’s common to see contractors flood neighborhoods offering “free inspections” or “quick insurance settlements.” While some may be legitimate, many are not. These predatory roofers are known for:

• Asking for full payment upfront and never returning

• Completing substandard work and disappearing

• Offering to “cover your deductible” (which is insurance fraud)

• Pressuring homeowners into signing contracts before assessments

These tactics prey on the urgency and emotional stress that storms often leave behind. Homeowners eager to get their homes fixed may overlook the warning signs—only to be left with bigger problems later.

Step-by-Step: How to Claim Roof Damage the Right Way

Step 1: Stay Calm and Document Everything

Once the storm has passed and it’s safe to go outside, inspect your property from the ground. Look for signs such as:

• Broken or missing shingles

• Dented gutters or downspouts

• Shingle granules collecting in your gutters

• Damage to siding, windows, or vehicles (can support your roof claim)

• Water spots on ceilings or attic moisture

Take clear photos and videos of any visible damage. Don’t climb on the roof—leave that to the professionals.

Step 2: Contact a Local, Reputable Roofing Company

Avoid working with out-of-town contractors who just showed up after the storm. Choose a roofer with a solid reputation, strong community presence, and verifiable credentials.

At DT Roofing, we’ve been serving Stephenville for years with honest, high-quality service. We never outsource to strangers or pressure you into contracts. Our in-house team is trained to handle everything from inspections to insurance documentation and full restoration.

Step 3: Schedule a Professional Roof Inspection

Your trusted roofing contractor should perform a full assessment of your roof, documenting all hail-related damage and helping you understand the scope of the work needed.

Make sure they give you a written report and photographs to support your claim. This evidence will be critical when communicating with your insurance company.

Step 4: Review Your Insurance Policy

Before filing a claim, take some time to understand your homeowner’s insurance policy. Know your deductible, what’s covered, and any time restrictions on filing.

In Texas, most policies cover hail damage—but the amount covered may depend on the age of your roof and your policy type (replacement cost vs. actual cash value).

Step 5: File the Claim

Contact your insurance company and initiate the claims process. Provide them with:

• The inspection report from your roofer

• Photos or video evidence

• Any supporting information about the storm’s impact in your area

They’ll assign an adjuster to assess the damage.

Step 6: Be Present for the Adjuster’s Visit

Ask your roofing contractor to be present during the insurance adjuster’s inspection. This ensures nothing is overlooked and that your roofer can help clarify damage severity.

Remember: adjusters work for the insurance company—not for you. Having your contractor there protects your interests.

Step 7: Get a Written Estimate and Scope of Work

Once your claim is approved, get a formal written estimate and contract from your roofer. Be sure the document includes:

• Scope of work

• Materials used

• Timeline

• Payment schedule

• Warranty details

Never pay the full amount upfront. A reputable roofer will break it into manageable payments aligned with job milestones.

Read also our blog: Roof Maintenance Tips to Prevent Leaks

How to Spot a Scam Roofing Contractor

Here are key warning signs that you may be dealing with a predatory roofer:

• They knock on your door immediately after a storm

• They demand cash or full payment upfront

• They don’t have a verifiable local address

• They can’t provide references or proof of insurance

• They offer to “waive your deductible” (this is illegal in Texas)

• They pressure you into signing a contract on the spot

If it feels rushed or shady—it probably is.

Why Trust DT Roofing?

We’re more than just a roofing company—we’re your neighbors. As a trusted local provider and Owens Corning Platinum Preferred Contractor, DT Roofing has earned recognition as one of the Top 100 Roofers in America.

We handle storm damage recovery the right way, with in-house experts, transparent pricing, and personalized service from start to finish. We know how to work with insurance companies and ensure your claim is handled quickly and correctly.

Final Thoughts

Dealing with storm damage is stressful—but choosing the right contractor doesn’t have to be. By taking a methodical, informed approach, you can avoid roofing scams and make sure your home is restored with the care it deserves.

When hail hits Stephenville, don’t panic. Call the local experts at DT Roofing. We’re here to guide you every step of the way—from inspection to claim to complete restoration—so you can get back to what matters most.

 

Read also our blog: Roof Maintenance Tips to Prevent Leaks