Insurance Guide

Preparing for Texas Hail Season

Essential steps to protect your home and ensure proper insurance coverage before severe weather arrives.

Updated December 1, 2024
By Zachary Pettikas, Insurance Agent

When Is Hail Season in Texas?

While hail can occur year-round in Texas, the peak season typically runs from March through June. North Texas, including Dallas, Plano, and Frisco, sees particularly frequent hail activity during spring months.

Pre-Season Insurance Checklist

Review Your Policy

  • Confirm your current hail deductible percentage
  • Verify your dwelling coverage reflects current rebuild costs
  • Understand what's covered and what's excluded
  • Check for any coverage changes since last renewal
  • Document Your Property

  • Take photos/video of your roof from multiple angles
  • Document all exterior surfaces (siding, windows, gutters)
  • Keep records of recent repairs or improvements
  • Store documentation in cloud storage for easy access
  • Verify Your Deductible Fund

    Calculate your potential out-of-pocket cost:

  • Dwelling Coverage × Hail Deductible % = Your Cost
  • Example: $350,000 × 2% = $7,000
  • Home Protection Measures

    Roof Considerations

  • Schedule a professional roof inspection
  • Address any existing damage or wear
  • Consider impact-resistant roofing during replacement
  • Clean gutters and ensure proper drainage
  • Outdoor Property

  • Secure or store patio furniture during warnings
  • Park vehicles in garage when storms approach
  • Trim trees near your home
  • Protect HVAC units and outdoor equipment
  • After a Hail Event

    Immediate Steps

  • Document damage with photos and video before repairs
  • Note the date and approximate time of the storm
  • Get a professional roof inspection
  • Contact your insurance agent to file a claim
  • Avoid Common Mistakes

  • Don't sign contracts with "storm chasers" immediately
  • Get multiple repair estimates from licensed contractors
  • Don't authorize repairs before insurance inspection
  • Keep all receipts and documentation
  • Ready to Get Protected?

    Get a personalized home insurance quote from an independent agent who will find the right coverage for your needs.