Plano’s Step-by-Step Guide to Getting Your Roof Replaced After a Hailstorm
- Max Schilling
- Jul 15
- 2 min read
If your roof took a beating from hail in Plano, we’ve got your back. This guide covers everything you need for a smooth and successful insurance claim—from spotting damage to getting full payouts and repairs.
Seeing the Damage? Here’s What to Do First
Look for dents and granule loss: Highlight all hail damage on the shingles—take wide and close-up photos.
Check all surfaces: Include vents, gutters, siding and flashing.
Document repairs: Temporary fixes (like tarps or sealant patches) should be photographed too.
How the Plano Insurance Claim Process Works
Notify your insurer Quick: Most policies allow up to 12 months, but filing within 30‑60 days avoids issues.
Gather evidence: Photos, date-stamped footage, contractor inspection reports.
Book a certified roofer assessment: Plano companies like ours or Caldwell Exteriors offer free inspections to support your claim.
Meet the adjuster: Be present when they inspect—show the damage and your findings.
Get multiple repair estimates: Actual Cash Value vs Replacement Cost Value—know your coverage.
Review and negotiate: If the insurer underpays, use your documentation to correct the offer.
Complete repairs: Submit final invoices to receive RCV payout.
Typical Pitfalls & How to Avoid Them
Delaying your claim—can lead to denials.
Skipping professional inspections—hidden issues are often missed by adjusters.
Not tracking communications—save every email, call log, invoice.
Accepting lowball offers—insurers handle thousands of TX hail claims a year; contest shortfalls.
What You’ll Pay & What Insurance Covers
Most homeowners in Plano pay a 2–5% wind/hail deductible (e.g. $6,000 on a $300K home). Older roofs may only qualify for depreciated payouts, so upgrades count. Keeping valid documentation and proactive maintenance improves results.
Should You Hire a Public Adjuster or Lawyer?
If your claim is denied or underpaid, a public adjuster or attorney like Ticer Law or Grisham & Kendall can intervene. Their fee is usually worth the added payout.
Why Acting Fast Matters in Plano
With over 500 hail events statewide—and over 60,000 hail claims last year—time is critical. Collin County, for example, has seen insurer deductibles double and stricter policy limits. Early action means better coverage and peace of mind.
Internal Resources You Should Check
Customer Feedback & Trust Badge
“Rally handled my adjuster, submitted all docs, and I got full replacement. Super smooth.”— Plano homeowner, April 2025
Ready to Get Started?
Call (214) 555‑1234 now or click here to schedule your free inspection and claim assessment. Don’t wait—storm season is here.
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