Wind, hail & hurricane damage
Storm & Hail Damage Roof Repair in Rosharon, TX
Hurricane Beryl put a 97 mph gust into Brazoria County on July 8, 2024, and TWIA alone took 32,171 claims out of it. Wind damage on a shingle roof rarely looks like a hole, which is exactly why it gets missed.
Beryl came ashore near Matagorda on July 8, 2024 as a Category 1 with 80 mph sustained winds. The National Weather Service recorded numerous gusts of 70 to 80 mph across Brazoria County and a peak gust of 97 mph near SH-36 at the Brazos River, with 6 to 10 inches of rain county-wide and a county high of 11.76 inches near Brookside. TWIA received 32,171 claims and its estimated ultimate losses reached $545 million, enough that the association drew $462.7 million out of the state catastrophe reserve fund to pay them.
Two years on we are still finding Beryl damage on roofs whose owners were told there was nothing wrong.
What storm damage on a Texas shingle roof actually looks like
Wind damage is a bonding failure, not a puncture. The adhesive strip that holds each shingle to the one below it breaks, the shingle lifts, and it reseats slightly out of position. From the ground the roof looks intact. From on top you can see the creases, the shifted courses and the exposed nail heads that the lift left behind.
- Creased tabs. A horizontal fold across a shingle where it bent backwards and came down again. The bond is gone and so is the wind rating.
- Missing or displaced ridge cap. The most exposed part of the roof, and the first thing to go in a 70 mph gust.
- Granule loss. Hail knocks the mineral surface off and exposes the asphalt to UV. Look in the gutters. A tablespoon is normal wear; a handful is not.
- Hail bruising. A soft dark circle where the mat underneath is fractured even though the surface looks fine. You find these by feel, not by eye.
- Exposed or backed-out fasteners. Every one is a leak with a start date.
- Collateral evidence. Dented gutters, dinged soft-metal vent caps, splatter marks on the fence and window screens. Adjusters look for these because they date the event.
How soon after a storm should you get the roof looked at?
Within a few weeks, and before the next big rain. Texas policies generally require prompt notice of a claim, and the longer the gap between the storm and the report, the more room a carrier has to argue that the damage came from something else or from ordinary wear. Waiting two years and then filing is how a legitimate claim gets denied.
What is not urgent is signing anything. The people knocking on your door within forty-eight hours want you to believe those two are the same thing.
| Storm | What hit this county | TWIA outcome |
|---|---|---|
| Hurricane Beryl, 8 July 2024 | Cat 1 at landfall, 80 mph sustained; 70–80 mph gusts county-wide, peak 97 mph near SH-36 | 32,171 claims, $545 million estimated losses |
| Hurricane Nicholas, 14 Sept 2021 | Cat 1, 75 mph, Matagorda Peninsula | $54 million |
| Hurricane Harvey, 25 Aug 2017 | Cat 4 at landfall; catastrophic rainfall across the region | 71,565 claims, $1.7 billion, $372 million member assessment |
| Hurricane Ike, 13 Sept 2008 | Strong Cat 2, 110 mph; TDI names Brazoria among the major-damage counties | 93,064 claims, $2.6 billion, $430 million member assessment |
| Hurricane Rita, 24 Sept 2005 | Cat 3, 115 mph, upper Texas coast | $160 million |
Storm and loss figures from the Texas Department of Insurance TWIA Overview published 8 June 2026; Beryl wind and rainfall detail from the National Weather Service Houston/Galveston post-storm report.
What we do on a storm inspection, and what it costs you
Nothing. The inspection is free whether you claim, do not claim, or decide the whole thing can wait a year. What you get is a photographed report with the damage marked and dated, an honest opinion on whether it rises to the level of a claim, and a repair or replacement price if you want one.
Plenty of these end with us telling somebody their roof is fine. That is a legitimate outcome and it is one of the reasons people ring us back three years later.
The door-knocker test, in one question
Ask whoever is standing on your porch whether they will cover your deductible. If the answer is yes, or "we can work something out", or "we build it into the estimate", you are talking to somebody proposing a Class B misdemeanour. Texas House Bill 2102 makes it a crime for a contractor to pay, waive, rebate or credit an insurance deductible, with penalties up to $2,000 and 180 days, and a homeowner who knowingly participates is exposed too.
The BBB was fielding storm-chaser reports almost as fast as Beryl moved through the region. The pattern is consistent: door-knocking inside forty-eight hours, pressure to sign the same day, money up front, a magnetic sign on the truck and a rented mailbox for an address.
Does storm damage repair need windstorm certification?
Yes, if the property is insured through TWIA and the repair is more than cosmetic. TDI states that repairs and re-roofs must comply with the required windstorm building codes to remain eligible for coverage, and the current standard is the 2024 IRC and IBC as amended by TDI, effective April 1, 2026. Getting a storm roof replaced without the certificate leaves you exposed on the next storm, which around here is not a hypothetical. See the WPI-8 page.
Where we do this work
After a named storm we work Rosharon and the nearest towns first and move outward, because the roofs still open to the weather come before the ones that are not.
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Related: Roof Insurance Claim Documentation · Emergency Roof Repair & Tarping · Roof Replacement & Tear-Off · Windstorm Inspection & WPI-8 Certification
Free storm damage inspection, photographed and dated
No obligation, no claim required, and no pressure to sign anything in your driveway. If the roof is fine you will be told it is fine.
Call (281) 845-8668- We will never offer to cover your deductible, because it is a crime
- Photographed, dated damage report either way
- Local address, not a magnetic sign
Have a doubt
Storm and hail damage questions
How do I know if my roof has hail damage?
You usually cannot tell from the ground, which is the whole problem. Hail bruising is a soft fracture in the shingle mat under a surface that still looks intact, and it is found by touch. The visible clues are elsewhere: granules collecting in the gutters, dents in soft metal vent caps and gutters, and splatter marks on fences and window screens. Get it looked at properly rather than guessing.
Is it too late to claim for Hurricane Beryl damage?
Possibly, and it depends on your policy and your carrier. Texas policies generally require prompt notice, and two years is a long gap to explain. It costs nothing to have the roof documented and to ring your agent and ask, and some carriers do still open these. What is certain is that leaving it another year makes it worse.
A roofer says my roof is totalled but my adjuster says it is fine. Who is right?
Often neither, entirely. The useful next step is a second documented inspection from somebody with no stake in the answer, then a re-inspection request to the carrier with the photographs attached. That is a normal part of the process and adjusters expect it. We have had claims in Manvel and Caldwell Ranch rewritten from repair to replacement on exactly that basis, and others where the adjuster turned out to be right.
Should I tarp the roof before the adjuster comes?
Yes, if water is coming in. Preventing further damage is your obligation under almost every policy. Photograph everything before the tarp goes on and photograph the tarp going on. What you should not do is make permanent repairs before the adjuster has seen it.