Cosmetic Damage Exclusion Texas: Find It on Your Policy
The Texas cosmetic damage exclusion (HO-145, TDP-022) removes hail coverage for dents that do not leak. How to find it on your declarations page.
hail damage
Should You File a Roof Insurance Claim in Texas?
An honest framework for deciding whether to file a roof insurance claim in Texas: deductible math, RCV vs ACV, and when filing costs more than it pays.
Two Hail Claims Same Year: What Actually Happens
Two hail claims same year, same roof: yes you can file again. What changes with a second claim, what Texas actually protects, and what your policy decides.
Signs of Roof Leak in Attic After a Storm
Signs of roof leak in attic after storm are often indoors, not on the roof. What to look for, and what means calling someone today.
Hail Damage on a Metal Roof: What It Looks Like
Hail damage on metal, tile and flat roofs shows up as dents, cracks and bruising, not granule loss. What that means for a Texas insurance claim.
Roof Vent Hail Damage: Skylights and Flashing Too
Roof vent hail damage often hides next to skylight and flashing damage that gets missed. What to check from the ground, and what needs a pro.
Which Storm Was It? Finding a Hail Date for Your Address
Your insurer wants a date of loss. How to find hail history for your address using free NOAA and National Weather Service records, and what it proves.
The Whole Street Is Getting New Roofs. Do You Need One?
Your neighbors are all replacing their roofs after the storm. Why that is not evidence about your roof, and the two free checks that settle it.
Storm Damage Photos That Survive an Adjuster’s Review
What your storm damage photos actually need to show, what a homeowner can document from the ground, and the limit of what a photo can prove.
Missing Shingles After a Storm: Urgent Tonight or Not?
Three shingles gone after a windstorm. How to judge from the ground whether it is a tonight problem, a this-week problem, or neither.