Don’t miss the deadline for hail damage insurance claims! If your home was in the Austin area on May 28th, 2025, you already know how bad that hail storm was. What you might not know is that your window to file an insurance claim is about to slam shut — and once it does, there’s nothing anyone can do to get it back open.
The deadline is May 28th, 2026. That’s days away!
Why Does the Deadline Matter So Much?
Most homeowner insurance policies in Texas include what’s called a “statute of limitations” on storm damage claims — typically one year from the date of the storm. After that date passes, your insurance company is under no obligation to honor your claim, no matter how legitimate the damage is.
That means a roof that took a beating fourteen months ago, that you never got around to having inspected, is now entirely your financial responsibility to fix. We see it happen every single storm season, and it’s one of the most frustrating situations a homeowner can find themselves in — not because the damage wasn’t real, but simply because the clock ran out.
“I Don’t Think My Roof Was That Bad”
That’s what a lot of homeowners tell us before we get up on their roof. Then we show them the photos.
Hail damage is notoriously difficult to spot from the ground. You’re not looking for missing shingles or obvious holes — you’re looking for granule loss, dented flashing, bruised shingle mats, and cracked ridge caps. These aren’t things most people notice on a casual walk around the yard, but they add up fast. Left unaddressed, they compromise the waterproof integrity of your entire roof and can lead to leaks, mold, and structural damage that costs far more to repair down the road.
If you haven’t had a professional inspection since that storm, you genuinely don’t know what you’re working with. And right now, with days left before the deadline, that uncertainty is costing you. Want to see applicable storm dates in your area? Click here to explore all relevant hail storm dates in your zip code on the StormerSite website: https://www.stormersite.com/hail_reports/travis_county_texas/all
What Happens When You Call Us
Here’s what the process looks like when you reach out to McCannical Roofing & Exteriors:
First, we come out and perform a thorough, no-cost roof inspection. We document everything we find — every area of impact, every compromised section — with photos and detailed notes. We don’t just tell you “it looks fine” or “you’ve got some damage.” We show you exactly what we’re seeing and explain what it means.
If we find storm damage that qualifies for a claim, we walk you through the insurance process step by step. We work with insurance adjusters every day, and we know how to present damage documentation in a way that gives your claim the best possible chance of approval. You won’t be navigating that process alone.
Once your claim is approved, we handle the repair or replacement with the same quality and care we’ve built our reputation on across the Austin area – EVERYTHING gets upgraded!
Call McCannical Roofing & Exteriors Before the Deadline
We’re local, we’re experienced, and we’ve helped dozens of Austin-area homeowners navigate this exact situation after the May 2025 storm. If there’s damage on your roof, we’ll find it. If there’s a claim to be made, we’ll help you make it.
Contact us today to schedule your free inspection – Time is almost up!
Phone Number: (512) 238-3000
Website: https://mccannicalroofing.com/
Email: info@mccannicalroofing.com
Frequently Asked Questions (FAQs): Hail Damage Claims
How long do I have to file a hail damage insurance claim in Texas?
In Texas, most homeowner insurance policies allow one year from the date of the storm to file a property damage claim. For the May 28th, 2025 hail storm that impacted the Austin area, that deadline falls on May 28th, 2026. After that date, your insurance carrier is not required to accept or process your claim, regardless of the damage present on your roof.
What if I missed the one-year deadline to file a hail damage claim in Texas?
Unfortunately, once the filing deadline passes, your options are very limited. Texas law and most policy language allow insurers to deny late claims outright. In rare cases, an attorney may be able to argue extenuating circumstances, but this is difficult and not guaranteed. The best course of action is always to file before the deadline — which is why acting now, while days remain, is so important.
Does hail damage always show up right away?
Not always. Some hail damage is immediately obvious, like cracked shingles or dented gutters. However, much of the damage caused by hail — including granule loss, bruised shingle mats, compromised flashing, and micro-fractures — is only detectable through a professional inspection. Many homeowners whose roofs were significantly damaged in the May 2025 storm have no idea because the damage isn’t visible from the ground.
How do I know if my Austin-area home was affected by the May 2025 hail storm?
The May 28th, 2025 storm produced hail that impacted a wide swath of Central Texas, including Leander, Cedar Park, Austin, Georgetown, Round Rock, Pflugerville, Hutto and surrounding communities. If your home is in any of these areas, there is a reasonable chance your roof sustained some degree of impact damage. The only way to know for certain is to have a trusted roofing professional perform an on-site inspection.
Is a roof inspection before filing a claim really free?
Yes. At McCannical Roofing & Exteriors, we provide free roof inspections for Austin-area homeowners who believe their property may have been affected by storm damage. There is no obligation to use our services, and we will give you an honest assessment of what we find — including if we believe no claim is warranted.
What does hail damage actually look like on a roof?
Hail damage on asphalt shingles typically appears as dark spots or “bruising” where granules have been knocked loose, exposing the underlying asphalt mat. You may also notice dented or bent metal flashing, damaged ridge caps, cracked or split shingles, and dents on gutters, downspouts, or HVAC equipment. On an aging roof, hail damage can accelerate deterioration significantly, even if it doesn’t look dramatic at first glance.
Will filing a hail damage claim raise my insurance premiums?
This is a common concern, and the answer depends on your specific policy and insurance carrier. In Texas, insurers are generally not permitted to non-renew a policy solely because of a weather-related claim, since hail is considered an “act of nature.” That said, premiums can be affected over time depending on your claims history. We recommend speaking with your insurance agent directly about your specific situation. What we can tell you is that the cost of a new or repaired roof out of pocket almost always far exceeds any premium adjustment.
How do I file a hail damage claim with my insurance company?
The general process works like this: first, get a professional roof inspection to document the damage. Then, contact your insurance carrier to open a claim — you can typically do this online, by phone, or through your agent. Your insurer will send an adjuster to inspect the damage themselves. Having a roofing contractor present during the adjuster visit is highly recommended, as they can advocate on your behalf and ensure nothing is overlooked. Once the claim is approved, you select a contractor and schedule the work. McCannical Roofing & Exteriors assists homeowners through every step of this process and would love to earn your business!
What areas does McCannical Roofing & Exteriors serve?
We serve Georgetown, Austin, Round Rock, Pflugerville, Hutto, Cedar Park, Leander, Liberty Hill, Taylor, and the broader Central Texas area. If you’re unsure whether we cover your location, give us a call and we’ll let you know.
How quickly can McCannical Roofing & Exteriors come out for an inspection?
Given the approaching May 28th claim deadline, we are prioritizing inspections for Austin-area homeowners as quickly as possible and can usually come out on the same day. Contact us today to schedule — the sooner you call, the more time you have to get your claim filed before the window closes.
McCannical Roofing & Exteriors proudly serves Leander, Cedar Park, Georgetown, Austin, Round Rock, Pflugerville and the surrounding Central Texas area.