Hail Damage Claims in Commerce, TX: What to Do After the April 27, 2026 Storm

On the evening of April 27, 2026, storms crossing eastern North Texas produced numerous reports of large hail up to teacup size. The National Weather Service in Fort Worth reported the largest stones in northeast Dallas, Rockwall and Hunt counties (NWS summary↗). If you live in Commerce, there's a fair chance your roof took some of it.

This guide walks through what to do next, in order. It isn't legal advice, and your policy is the final word on your coverage, but it will keep you from the most common mistakes.

1. Don't wait for a leak

Hail rarely punches a hole you can see. What it usually does is bruise the shingle mat, knock granules loose and crack the seal between tabs. The roof sheds water fine for a while, then starts leaking months later, often after the next storm, when it's harder to prove which storm did the damage.

So the question isn't "is it leaking?" It's "was it hit?" A roof that looks fine from the driveway can still carry a valid claim.

2. Check your policy's deadline

Many Texas homeowner policies limit how long after a storm you can report damage, commonly one year from the date of loss, and some are shorter. Find the "duties after loss" section of your policy, or ask your agent. For a claim tied to April 27, 2026, that date is what counts, not the day you noticed a stain.

3. Get the roof inspected before you call the adjuster

An inspection first tells you whether there's a claim at all, and gives you your own record before the carrier writes theirs. A proper hail inspection covers:

Kind Roofing does this for free, with a written assessment, and we'll tell you if the roof doesn't need work. Book a free inspection.

4. You open the claim

Only the policyholder can file. A roofer can inspect, document and meet the adjuster, but you make the call. Be careful with anyone who wants to file for you, or asks you to sign an assignment of benefits or a "contingency agreement" on the spot.

5. Be there when the adjuster comes, with your roofer

The adjuster's visit is where a claim is won or lost. Having your roofer on the roof at the same time means the damage you documented gets looked at, not just the slopes that are easy to reach. We meet the adjuster on your roof and build a written scope that matches your policy.

6. Read the numbers

Your settlement letter will show a few figures:

On a replacement-cost policy, the held-back depreciation is usually released once the work is done and invoiced. On an approved claim, your out-of-pocket cost is usually your deductible.

7. Choose a roofer you can check

After a big storm, crews come from all over Texas. Kind Roofing is one of them: we're based in Austin and working in Commerce because of the storm, and we say so. What matters is whether you can check who you're hiring:

Next step

Text or call (512) 766-9755, or use the form on our Commerce page, and we'll set a time to look at the roof. More on how we handle storm damage and insurance claims.