Roofer in Round Rock, TX

September 2023 gets the attention, but Round Rock's other two big-hail days matter too. On April 15, 2021, NOAA logged golf ball hail at O'Connor Dr. and FM 620 and a two-inch stone elsewhere in the city; the same storm dropped two-inch hail on Leander and Pflugerville. On April 28, 2023, five months before the September storm, ping pong ball hail fell at the I-35 and Hwy 45 interchange, with quarter-size reports elsewhere in Round Rock.

That timing creates a real problem for claims. A roof bruised in April 2023 and hit again in September 2023 carries damage from two storms, and an adjuster may ask which one caused what. Dated photos taken soon after each storm are the only clean answer.

Small hail bruises shingles. Hail the size of baseballs and larger can crack the shingle, split the underlayment and damage the wood deck below. No one can see the deck from the ground, which is why a full re-roof takes the roof down to the sheathing. Once it is exposed, any soft, cracked or punctured boards are replaced before new underlayment goes down.

Texas Insurance Code Chapter 707 does two things a Round Rock homeowner should know about (Texas Insurance Code Chapter 707). Section 707.002 requires anyone insured under a property policy to pay the deductible on a claim. Section 707.004 lets an insurer with replacement cost coverage hold back the withheld recoverable depreciation until it gets reasonable proof that you paid the deductible, such as a canceled check or a credit card statement.

In plain terms: if a roofer offers to skip your deductible, you may not see the rest of your claim money, and the offer itself breaks Texas law. Keep the receipt for your deductible payment with the rest of your roof file.

Round Rock's September storm stripped plenty of trees as well as roofs. The Texas Department of Insurance's homeowners guide lists wind or hail damage to trees and shrubs among the losses most policies do not cover, and it advises making only temporary repairs, like a tarp, until the insurer has seen the damage (Texas Department of Insurance homeowners guide). Check your own policy, since coverages vary by company.

After the March 2022 tornado, some Round Rock roofs were replaced and some were patched. A patch over wind damage can hold for years, but patched roofs often have mismatched shingles, broken seals around the repair, and decking that was never inspected. If your house sits along the tornado's path through Windy Terrace, Greenlawn Place, South Creek or Forest Bluff and you only had a repair, it is worth a look before the next storm.

Because Round Rock's damaging hail is so concentrated, many roofs in the city go years without a storm claim. That does not mean they are young. The Census counts more than 24,000 Round Rock homes built in the 1990s and 2000s, and a house from 1998 or 2005 that still has its first roof has spent every summer since under Central Texas sun.

Age shows up differently from hail. Shingles curl at the edges and lose granules evenly across the roof instead of in dark spots. Sealant around pipe boots and flashing dries and cracks. Leaks start at the roof's weak points, like valleys, chimneys and wall joints, not across the middle of a slope. Most homeowner policies do not cover wear and tear, so if age is the problem, we will tell you that plainly. Sometimes a repair at a pipe boot or valley buys real time; sometimes the conversation becomes about planning a new roof on your schedule instead of filing a claim. That reroof runs under the city's short rule: no permit when the roof itself is not being modified, and drip edge required on every residential reroof in Round Rock.

With 21,631 rented homes in the city, Round Rock has a lot of landlords, and plenty of them live outside the Austin area. Roofing work on a rental raises its own questions: who lets the crew in, who tells the tenant, and how does the owner know the work was done as quoted?

Photo documentation answers most of that. We photograph the roof at the assessment, so you can see the damage without making the drive. Your project manager is the single contact for scheduling and updates. If the house sits on a claim, the same photos support it. On apartment, condo and other multi-family buildings, the same approach applies, with the owner or board as the contact.

Round Rock's record says another big hail day will come; it does not say when. Members of our Roof Care Program, with two roof inspections a year, get a written roof health report with photos, plus priority scheduling after severe weather. For a Round Rock homeowner, that dated record of the roof is exactly what a claim needs after the next storm.