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W Wannamaker Roofing San Antonio's Trusted Roofer

Storm & Hail Damage Roofing

San Antonio's April–June storm season is brutal on roofs. If your home got hit, we handle everything — inspection, insurance, install — start to finish.

When a hailstorm or high-wind event hits San Antonio, two things happen fast: your roof loses years of life overnight, and dozens of out-of-town "storm chaser" roofing trucks show up in the neighborhood the next morning. We're the opposite of that — we're local, we'll be here in five years to honor the warranty, and we actually know how Texas insurance claims work.

Why San Antonio storms matter more than you think

San Antonio sits on the edge of "hail alley" — the central Texas corridor that produces some of the most severe hail in the country. Hail stones 1 inch or larger are effectively roof-killers; anything above 1.5 inches guarantees damage to standard Class 3 asphalt shingles. Our April–June season brings multiple qualifying events most years. On top of that, straight-line wind gusts during severe weather regularly exceed 60 mph, which is the manufacturer wind rating threshold for standard shingles — above that, install quality determines whether your roof holds.

What hail damage actually looks like

Hail damage on asphalt shingles is rarely dramatic. What you're looking for on the roof surface:

  • Granule displacement — small round spots where the asphalt layer shows through. The fiberglass mat becomes exposed and UV degradation accelerates.
  • Shingle bruising — soft spots where the mat fractured from impact but the surface still looks intact. You feel them by hand.
  • Cracked shingles — lineal cracks radiating from the strike point, often along the butt edge.
  • Metal damage — dents in gutters, downspouts, roof vents, and flashing. Metal damage is an easy visual confirmation that hail fell at damaging size.
  • Soft metal verification — dents in A/C condenser fins, window screens, and metal patio furniture confirm hail size.

Wind damage is more visible: lifted tabs, missing shingles, creased shingles (where the wind bent them back), exposed underlayment. Both types qualify for insurance claims when the event matches a documented NOAA storm at your address.

Our storm damage process

  1. Emergency response (if needed). If there's active water intrusion, we tarp the affected area same-day or next-day to prevent further damage. This is covered under most insurance policies as mitigation.
  2. Free damage inspection. We climb the roof, chalk-mark hail strikes, photograph every slope, and verify whether damage qualifies for a claim. We'll tell you straight — if it doesn't qualify, don't file.
  3. Claim filing support. You call your insurance and file. We provide the damage documentation that goes with the claim.
  4. Adjuster meeting on-site. We meet your insurance adjuster on the roof. This matters — adjusters consistently find less damage when they're alone. With a qualified roofer on the roof walking through damage, legitimate claims are approved properly.
  5. Scope review and supplementing. When the scope arrives, we check it line by line. Missing drip edge? Missing starter strip? No ice-and-water shield in the valleys? We write supplements for everything owed.
  6. Material selection. We help you choose shingles — and if the storm was bad enough that a Class 4 upgrade makes sense, we walk through the cost vs. insurance discount tradeoff.
  7. Install and final inspection. Same high-quality install as any other replacement — we don't cut corners on insurance jobs.

A word about storm chasers

After every big San Antonio hail event, you'll see pickup trucks with out-of-state plates and a hastily-printed magnetic sign driving the neighborhood offering "free roof inspections." The pattern is consistent: they knock, they climb, they find "massive damage," they offer to handle your insurance, they take your deductible, they install a low-grade roof as fast as possible, and they leave town. When a problem shows up a year later, good luck finding them.

We're Wannamaker Roofing. We're based in San Antonio. We'll be here in ten years. Our workmanship warranty is honored by the same people who installed the roof. That's the difference.

Top questions we hear

How do I know if my roof has hail damage?

Most homeowners can't tell from the ground — hail damage shows up as small round bruises on asphalt shingles where the granules are knocked loose. You may see granules in gutters or on the ground below downspouts after a storm. The only reliable way to confirm is a roof-level inspection. If hail fell at your address (check NOAA's storm event database), get it inspected within 60 days.

What should I do immediately after storm damage?

First, safety — don't climb the roof yourself. Document what you can see from the ground: photos of the yard, any obvious damage, downed branches. Call us for an inspection before you call insurance — we can verify damage qualifies for a claim, so you don't file one unnecessarily. If there's active water intrusion, call us first — we can tarp the same day.

How long do I have to file an insurance claim after a storm?

Most Texas homeowner policies give you 1–2 years to file. But practically, the longer you wait, the harder it is to prove damage came from a specific storm. We recommend filing within 60 days of the event. Hail damage left unaddressed also degrades — missing granules lead to UV damage that insurance may argue is wear-and-tear rather than storm-related.

Will filing a storm claim increase my premium?

In Texas, a single weather-related claim usually doesn't raise premiums significantly — insurers are restricted from using weather claims as the sole reason for rate increases. Multiple claims within a 3-year window can. And filing a claim that gets denied because damage doesn't qualify can still count against you. That's why we inspect first — we only encourage a claim when damage clearly qualifies.

Do you work with my specific insurance company?

We work with every major Texas carrier: State Farm, Allstate, USAA, Farmers, Liberty Mutual, Progressive, Texas Farm Bureau, and dozens more. The process is the same regardless of carrier. We meet your adjuster on the roof, document damage properly, and write a scope your insurer can accept.

What is a 'supplement' and why does it matter?

When insurance initially scopes a claim, their adjuster often misses items — drip edge, ice-and-water shield, starter strip, specific flashing components, code upgrades. A supplement is a formal request for those items to be added to the claim. We write supplements routinely — they're often the difference between a claim that underpays by $2,000 and one that pays properly.

Deep FAQ — storm damage in San Antonio

Grouped by topic. Tap any question to expand.

Damage & assessment

What are the benefits of prompt storm damage inspection?

Four: (1) Claim qualification — damage is easier to document within 30 days of event; (2) Interior protection — damaged roofs leak in subsequent storms, compounding losses; (3) Insurance timeline — most TX policies require reporting within 1–2 years but practical claims work best filed under 60 days; (4) Rate lock — you're locked in on material pricing before the post-storm price spike.

What are common problems with storm damage?

Four damage signatures: (1) Hail bruising — round impact spots 1"+ in diameter, granules displaced; (2) Wind uplift — lifted/creased shingles, missing tabs, exposed underlayment; (3) Impact fractures — cracked tile, dented metal, bent ridge caps; (4) Collateral damage — dented gutters, fins, and vents that confirm qualifying hail size.

What makes a high-quality storm damage repair?

Five markers: (1) Full documentation — photos, chalk marks, counts per slope; (2) Adjuster meeting attendance — contractor on the roof with the adjuster; (3) Xactimate-compatible scope writing; (4) Supplement work when initial scope underpays; (5) Full replacement quality — not "just fix the visible damage" patch work. Storm damage claims deserve full-roof replacements when damage qualifies.

How do I prepare for storm damage inspection?

Three steps: (1) Document from the ground — photos of yard, dented A/C fins, dented gutters, any fallen items; (2) Record date and time of storm event for claim filing; (3) Don't climb the roof yourself — let us do it. If damage is active (water entering), call us for emergency tarp. Insurance covers emergency tarping as mitigation.

Insurance process

How do professionals handle storm damage claims?

Professional process: (1) Inspect with photos and chalk-mark hail impacts by slope; (2) Verify damage qualifies before recommending claim filing; (3) Attend adjuster inspection on-site; (4) Review adjuster's scope against actual repair needs; (5) Write supplements for missed items (drip edge, ice-and-water shield, code upgrades); (6) Coordinate material selection and scheduling; (7) Handle final inspection and certificate of completion for depreciation release.

What mistakes should I avoid with storm damage claims?

Six common ones: (1) Hiring a door-knocker "storm chaser" contractor; (2) Signing an Assignment of Benefits (AOB) form; (3) Filing without verifying damage qualifies first; (4) Missing the adjuster inspection (let contractor attend); (5) Accepting first scope without review; (6) Letting a contractor offer to waive your deductible — that's Texas insurance fraud.

What happens if I delay storm damage repair?

Practical timeline: at 60 days, claim is still straightforward; at 6 months, insurers question causation; at 1 year, you're likely past most policies' reporting windows; during that whole time, the roof is vulnerable to additional storm damage that compounds. Also: material pricing typically rises 5–15% in the months following major storm events due to demand.

How does weather impact storm damage timing?

San Antonio's April–June hail season creates the majority of storm claims. Late fall through winter we see wind damage (straight-line weather events). Major isolated events (Hurricane Beryl remnants, severe thunderstorms) can occur anytime. Filing immediately after the event ties your damage to a specific documented NOAA storm, strengthening the claim.

Material selection post-storm

How do I know if I need storm damage repair?

Six signs: (1) Hail 1"+ fell at your address (check NOAA storm event database); (2) Visible dents in gutters, downspouts, or A/C fins; (3) Granules accumulating at downspouts; (4) Missing or visibly lifted shingles; (5) Leaks or water staining; (6) Neighbors filing claims. Any of these = schedule an inspection within 30 days.

How do I choose the best option for storm damage replacement?

Three upgrades worth considering post-storm: (1) Class 4 impact-resistant shingles — unlocks 20–28% insurance discount, pays back in 3–5 years; (2) Premium underlayment (synthetic over felt) — better water protection; (3) Upgraded flashing — new metal instead of reused. Your claim typically covers like-kind-quality replacement; upgrades are generally out-of-pocket but very worthwhile.

How do I compare options for storm damage repair?

Get 2–3 quotes post-storm with detailed scopes. Compare: materials specified, warranty coverage, supplement approach, adjuster meeting attendance policy, workmanship warranty length, and references (especially recent storm-claim jobs). Beware of contractors whose pitch centers on "handling your deductible" — that's illegal in TX.

What impacts the lifespan of a storm damage repair?

Three factors: (1) Whether the repair was full replacement or patch — patched storm damage ages unevenly and fails sooner; (2) Material grade — Class 4 significantly outlasts Class 3 on hail-prone homes; (3) Install quality — a storm-urgency fast install cuts corners that shorten life. A properly-done storm replacement lasts full manufacturer lifespan; a rushed one can fail in 10 years.

Storm damage? Don't call the first truck that shows up.

Free inspection. Local team. Insurance expertise. That's the right order to do this in.