Hail-Damaged Siding Repair in Fort Worth, TX
We repair hail-damaged siding on Fort Worth homes: cracked and holed vinyl, dented trim and soft metals, and chipped fiber cement. The Texas Department of Insurance says to photograph and video the damage and to hold onto damaged items until your insurer says you can discard them. Call 123-456-7890 for a free estimate.
What Hail Does to Siding
Hail damages each siding material in its own way, so the repair depends on what is on the wall.
- Vinyl cracks, splits or takes a hole where a stone hits.
- Aluminum and other soft metals, including trim, vents and downspouts, dent.
- Fiber cement chips or cracks at the impact point.
- Wood and engineered wood dent, splinter or crack, and the damage lets water in.
We walk every wall, including the sides that faced the storm, and check under the trim.
What to Do Right After a Storm
The Texas Department of Insurance lists the first steps. First, take photos and video of the damage and list the damaged items inside and outside the home. Second, hold onto damaged items until your insurer says you can discard them. Third, cover broken windows and holes to keep rain out, and keep your receipts, because your policy may pay for temporary repairs. Finally, be available when the adjuster visits, so they see everything.
Call us once the water is covered. We inspect the siding and write up what is damaged so your estimate and your claim describe the same work.
How We Inspect Hail-Damaged Siding
First, we walk every wall, including the sides that faced the storm, and mark each damaged panel. Second, we check the trim, vents, gutters and flashing, because hail damages soft metals and the joints where water gets in. Third, we photograph the damage and write a panel-by-panel scope. Finally, we price the repair and the replacement, so you can compare both against your claim.
Repair or Replace After Hail
A few cracked panels on a wall that is otherwise sound are a repair. We replace the damaged panels and leave the rest in place. Hail that has pitted, cracked or dented most of a wall is a replacement, because patching dozens of spots leaves a wall that looks patched. Old siding that has faded can show a color difference next to new panels. We tell you before we start and price a full wall if that gives a better result. Siding repair vs replacement in Fort Worth covers how we decide, and siding replacement covers the full-wall option.
Hail Damage and Your Insurance
Coverage differs from policy to policy, so read yours and ask your insurer whether hail damage to siding is covered. The Texas Department of Insurance explains three things worth knowing before you file.
- The deductible. A deductible may be a specific dollar amount or a percentage of the home's insured value, and it applies to each claim. TDI's example is a 5% deductible on a home insured for $150,000, which equals $7,500. Convert any percentage deductible to dollars so you know what a repair has to exceed before the insurer pays.
- Waiving the deductible. TDI says it is illegal to waive a homeowners deductible under state law. Avoid any contractor who offers to.
- Hiring a contractor. TDI advises getting more than one bid, checking references, not paying the full amount up front, and never signing a contract with blank spaces.
We write a clear scope with every estimate. Take it to your insurer and compare it with the adjuster's. Our written price covers the repair, and the claim and the deductible are between you and your insurer. See who repairs siding for how to compare bids.
Frequently Asked Questions
What should I do first after hail hits my siding?
Photograph and video the damage, list what is damaged inside and outside, hold onto damaged items until your insurer says you can discard them, and cover any openings to keep rain out. The Texas Department of Insurance lists these steps and says your policy may pay for temporary repairs, so keep your receipts. Then call for an inspection.
Does homeowners insurance cover hail damage to siding?
Coverage differs from policy to policy. Read your policy and ask your insurer whether hail damage to siding is covered, what your deductible is, and how it applies. The Texas Department of Insurance notes that a deductible may be a dollar amount or a percentage of insured value and applies to each claim, so convert it to dollars before you decide whether to file.
Can a contractor waive my insurance deductible?
No. The Texas Department of Insurance says it is illegal to waive a homeowners deductible under state law, and it advises homeowners to avoid contractors who offer to. Your insurer may ask for proof that you paid it. A written estimate should never promise otherwise.
Should I get more than one estimate?
Yes. The Texas Department of Insurance advises getting more than one bid or repair estimate, checking references and not signing any contract with blank spaces. We give a written price with the scope, the material and the trim spelled out, so you can compare it line by line.
Can you repair hail damage on only some panels?
Yes, when the damage is limited and the wall behind the siding is dry. We replace the damaged panels, check the flashing and trim, and leave sound panels in place. When hail covers most of a wall, we price a full wall replacement alongside the repair so you see both.
Get a Free Hail Damage Estimate in Fort Worth
If hail damaged your siding, call 123-456-7890 for a free estimate. We inspect every wall and write up the damage panel by panel. See our page on our Fort Worth siding repair services for how we work.