Do you offer free estimates?

Yes! We provide free, no-obligation estimates for all roofing services. Call us at (956) 600-0501 or visit our contact page to get started.

How long does a roof replacement take?

Most residential roof replacements are completed in 1–3 days, depending on the size and complexity of your roof. We work efficiently while maintaining the highest quality standards.

How long have you been in business?

Baccaro Roofing has served South Texas for over 5 years, with more than 500 completed projects and a 5.0-star rating across our 20+ Google reviews. Ronnie Baccaro is the owner-operator and personally inspects every job. We're built on RGV referrals — most of our work comes from neighbors recommending us.

Do you help with insurance claims?

Absolutely. We have extensive experience working with insurance companies. We'll document the damage, meet with adjusters, and ensure you get the coverage you deserve.

What does a typical roof replacement cost in the RGV?

Most full residential replacements in the Rio Grande Valley range from $8,000 to $18,000, depending on roof size, slope, material (asphalt shingle vs. metal), and decking condition. Use our free Roof Cost Calculator at /roof-cost-calculator for an instant estimate, or call (956) 600-0501 for a no-pressure on-site inspection.

What roofing materials do you use?

We use top-quality materials from trusted manufacturers including architectural shingles, metal roofing, and flat roofing systems. We'll recommend the best option for your home and budget.

What warranty do you provide?

Every new roof comes with the manufacturer's material warranty (typically 30–50 years on architectural shingles, lifetime on metal) plus our 5-year workmanship warranty on installation. If anything fails because of how we installed it, we come back and fix it free. No fine print, no hassle.

Are you licensed and insured?

Yes. Baccaro Roofing is fully insured for general liability and workers' comp, and operates across the Rio Grande Valley with all required local permits pulled on every job. We carry full documentation on every job site and can provide certificates of insurance on request before any work begins.

What areas of the Rio Grande Valley do you serve?

We serve all 45+ cities across the Rio Grande Valley — Hidalgo, Cameron, Willacy, and Starr counties — including McAllen, Brownsville, Edinburg, Pharr, Mission, Harlingen, Weslaco, San Juan, Alamo, and South Padre Island. If you're in the RGV, we'll come give you a free inspection.

Do you work in Spanish too?

Yes — completely. Ronnie and most of the Baccaro crew are native Spanish speakers, and we run the entire job in Spanish if that's what you prefer: inspection notes, written quote, insurance adjuster meeting, daily progress check-ins, final walkthrough. The /techos/ section of our site and our Spanish blog posts are written in native Spanish, not translated. Roofing decisions are too important to lose detail in a language gap. Call (956) 600-0501 and ask for Ronnie en español.

Do you work on commercial roofs?

Yes. Baccaro Roofing handles flat and low-slope commercial systems — TPO, EPDM, modified bitumen, and metal — across the RGV. We work with property managers, HOAs, retail centers, and small industrial clients. Same free inspection policy: we'll diagnose what's wrong and quote it honestly before any contract.

Can I finance my roof?

Yes — financing is available on roof replacements through partner lenders so you don't have to cover the full cost upfront. Most homeowners qualify, the application is quick during your inspection visit, and we don't pull credit unless you ask. Visit baccaro-roofing.com/financing for current options, or just mention it during your free inspection and Ronnie will walk through what fits. No pressure if cash works better for you — we won't push financing on anyone.

Back to Blog

Baccaro Roofing GuideMcAllen May 2024 Hail: 2-Year Claim Window Closing

June 7, 20268 min read

McAllen May 2024 hail: where we stand two years later

It has been roughly two years since the May 2024 hail event raked the 78504 corridor through North McAllen, Sharyland, and Trenton Crossing. If you are reading this in June 2026, the claim window on a standard Texas HO-3 policy is either closed or closing fast for that date of loss. We are publishing this recap for one reason: there are still McAllen homeowners with quiet, slow-developing damage from that storm who have not pulled their policy declarations page and verified their filing deadline. Some of them still have time. Some of them do not. The only way to know is to look now.

This post lays out what NOAA and the National Weather Service Brownsville recorded that day, what we documented on McAllen roofs in the first 72 hours, what we are still finding on those same roofs in 2026, the Texas Insurance Code rules that apply, and how to refuse the storm-chaser pitch that is once again landing on doorsteps for the 'expiring claim' cycle.

Baccaro Roofing is owner-operated by Ronnie Baccaro. We have been working McAllen roofs for 5+ years, with 500+ completed projects across the Rio Grande Valley and a 5.0 star rating across 20 verified reviews. Inspections are free. We install GAF, Owens Corning, and CertainTeed product lines. We do not work AOB contracts. We do not promise to waive deductibles. And we do not pressure homeowners at the kitchen table. If you want to skip the reading, call (956) 600-0501 today and we will schedule a free drone and attic inspection.

What NOAA and NWS Brownsville recorded

The May 2024 McAllen hail event was logged in the [NOAA Storm Events Database](https://www.ncdc.noaa.gov/stormevents/) with multiple storm cells crossing Hidalgo County in a fast-moving line. Per the [National Weather Service Brownsville](https://www.weather.gov/bro/) office, documented hailstone diameters ranged from 1.5 to 2 inches in the heaviest bands, with isolated reports of 2.5+ inch stones in the 78504 corridor and along Bicentennial Blvd. Wind gusts in the strongest cells were measured at 60 to 70 mph, enough to drive hail laterally into north-facing slopes, soffit returns, and gable-end siding that a vertical-fall storm would have spared.

The heaviest concentration of impact ran from the 78504 corridor northwest through Sharyland and into the Trenton Crossing area. Las Brisas saw a softer hit but still has roofs with documentable bruising. 78503 and 78501 caught the trailing edge with lighter, smaller hail. The areas around the UTRGV McAllen Teaching Site and the McAllen Convention Center reported scattered roof claims in the weeks following.

If you want to confirm your address was in the impact zone, the NOAA Storm Events Database is searchable by county and date and will list the specific storm reports for your area. That database entry is the document an adjuster will reference when verifying the date of loss on your claim.

What Baccaro documented in the first 72 hours

In the immediate response window after the May 2024 event, our crews tarped 30+ McAllen homes and ran drone documentation flights across roofs that did not yet show ground-visible damage. Two reasons we moved that fast.

First, granule loss from hail bruising is not always visible from the ground in the first week. The shingle mat is compressed by the impact, but the granules that cover the mat take 12 to 24 months of UV exposure and thermal cycling to shed. A drone photo taken in week one captures the impact pattern before the granule loss begins. A photo taken in 2026 captures the result. Both belong in a complete claim file.

Second, the prompt-notice clause in most Texas HO-3 policies starts running the day the storm hits. The faster a homeowner gets a documented inspection on file, the cleaner the claim. We assembled photo-evidence packages for adjuster meetings in those first weeks, with date-stamped drone imagery cross-referenced to NOAA storm reports. Those packages are still in our files for any homeowner who used us at the time and needs supplemental documentation now.

For homeowners who did not file in 2024 but suspect damage, our [Baccaro hail repair in McAllen](/areas/mcallen/hail-damage-repair) team can build that documentation package now using current drone imagery, attic moisture mapping, and NOAA date-of-loss records.

The claim deadline math nobody wants to do

This is the section that matters most if you are reading this in June 2026.

Standard Texas HO-3 policies impose two separate time limits that homeowners often confuse. The first is the prompt-notice clause, which typically requires the policyholder to notify the carrier 'promptly' or within 30 to 60 days of the date of loss. The second is the statutory deadline for filing suit, which under Texas Insurance Code §542A is generally two years from the date the claim is denied or the loss occurs, depending on policy language. The [Texas Department of Insurance](https://www.tdi.texas.gov/) maintains current guidance on policyholder rights and the claim process, and it is worth a read before you call your carrier.

The simple math: May 2024 plus two years equals May 2026. For many McAllen policyholders, the window has already closed on filing a fresh claim tied to that specific date of loss. But policies vary. Some carriers in Texas will accept a late-discovered damage claim if the homeowner can show the damage was not reasonably discoverable earlier. Some policies have shorter or longer windows. And in some cases, what looks like 2024 hail damage is actually 2025 wind damage on an already-weakened roof, which resets the relevant date of loss.

The only way to know where you stand is to pull your declarations page, read the loss-reporting clause, and call your carrier or a licensed public adjuster to confirm. Do this this week. Do not wait until you see the next thunderstorm cell on the radar.

If you need a documented inspection to support that conversation, our [storm claim coordination in McAllen](/areas/mcallen/insurance-claim) process pairs the drone inspection with the policy-language review so you walk into the carrier call with everything you need.

What we are still finding on McAllen roofs in 2026

The reason this post exists at all is that we are still pulling 2024-hail evidence off roofs that look fine from the street. In the last 90 days alone, on inspections across North McAllen, Sharyland, and the Bicentennial corridor, our crews have documented:

Granule loss that finally became visible. Bruised shingles from May 2024 shed their granules slowly. A roof that looked clean from the ground in late 2024 now shows obvious pockmarks under drone imagery, with the exposed black asphalt mat telling the impact story in clear detail. The [Insurance Institute for Business and Home Safety](https://ibhs.org/) has published research on hail-induced granule loss and the way it compromises the long-term performance of asphalt shingles.

Crack patterns in lower-end architectural and 3-tab shingles. Hail does not always crack a shingle on day one. The impact creates a micro-fracture in the mat that telegraphs through the surface over 18 to 24 months of thermal expansion and contraction. By 2026, those cracks are obvious and they leak.

Pipe boot UV failures accelerated by impact. A neoprene or rubber pipe boot that took a direct hit in 2024 will UV-degrade faster than an unhit boot. The crack at the boot base shows up two years later as a brown ceiling stain.

Skylight perimeter sealant cracking. Hail flexes the skylight curb and the perimeter sealant rides the curb. Two years of flex cycles after the initial damage and the seal opens.

Hidden OSB decking damage. Large-stone impact can compress the OSB decking under the shingles without splitting it. From outside the roof, it is invisible. From inside the attic, it shows up as a hairline crush pattern that lets moisture migrate. Attic inspections catch this where drone work cannot.

The [Insurance Information Institute](https://www.iii.org/) reports that hail is one of the most common causes of homeowner property claims in Texas year after year, and that delayed-discovery damage is a routine part of post-storm claim cycles. None of what we are finding is unusual. It is the predictable two-year arc of a hail event.

What to do if you suspect 2024 hail damage now

Here is the practical sequence for any McAllen homeowner in the 78504, 78503, 78501, or Sharyland zip codes who has not yet confirmed their roof status.

Step one. Schedule a free Baccaro inspection. Drone, ground walk, and attic check. No charge, no obligation. We will produce a photo report whether or not we find damage. Call (956) 600-0501.

Step two. Pull your homeowner policy declarations page. Read the loss-reporting clause and the suit-limitation clause. Note the date of loss requirement and the prompt-notice clause.

Step three. If we document hail evidence consistent with the May 2024 event, we will build a claim file that cross-references the NOAA storm report to your address, the drone imagery, the attic findings, and any earlier interior damage you can document with date-stamped photos.

Step four. File the claim with your carrier. If you are inside the policy window, file even if you are unsure whether the damage will exceed the deductible. The supplements process exists precisely for the line items a first adjuster scope misses.

Step five. For storm-related emergency leaks while a claim is pending, our [hail damage roofing contractor McAllen](/areas/mcallen/hail-damage-repair) team and our [24-hour emergency roofer in McAllen](/blog/24-hour-emergency-roofer-mcallen) response can install protective tarping or perform spot dry-in work. See also our guide on [emergency roof tarp in McAllen](/blog/emergency-roof-tarp-mcallen) for what to expect.

The storm-chaser warning that still applies

Two years after a major event, out-of-state crews come back through Texas for the 'expiring claim' cycle. They knock doors. They tell homeowners the claim window is closing next week. They offer to 'handle everything.' Most of what they offer is illegal, predatory, or both.

They will pitch Assignment of Benefits. Refuse. An AOB transfers your insurance claim rights to the contractor. Once signed, you lose control of the claim, the scope, the supplement negotiation, and often the deductible. The [Federal Emergency Management Agency](https://www.fema.gov/) and the Texas Department of Insurance have both published consumer warnings about AOB abuse in post-storm cycles. Baccaro does not work AOB contracts, ever.

They will promise to waive the deductible. This is illegal in Texas. Texas Insurance Code §707 makes it a crime for a contractor to pay, waive, rebate, or absorb a homeowner's insurance deductible. Anyone who offers this is either ignorant of the law or willing to commit insurance fraud with your name on the paperwork. Walk them off the porch.

They will pressure-sell at the kitchen table. Legitimate roofers do not need a same-day signature. A free Baccaro inspection produces a written report and a quote. You keep both. You compare. You decide. We are still here next week.

They will not have a verifiable McAllen address. Storm chasers operate out of trucks and short-term rentals. Verify any contractor's local business address, their length of time operating in the Rio Grande Valley, and their reviews from real local homeowners. Texas does not license residential roofers at the state level, so verification of legitimacy falls on the homeowner. We are owner-operated by Ronnie Baccaro out of McAllen and we have been here continuously for 5+ years across 500+ projects.

For more on the tactics that show up after every major storm, read our breakdown of [insurance adjuster tactics](/blog/insurance-adjuster-tactics).

Hidalgo County permits and the 130 mph wind zone

Anything driven by 2024 hail damage that ends in a roof replacement still has to be permitted and built to current Hidalgo County code. McAllen is inside the 130 mph wind zone per the International Residential Code adoption used by Hidalgo County, which means the replacement install has to meet specific fastening, underlayment, and starter-course requirements.

The non-negotiables on a code-compliant replacement in this zone include 6-nail fastening per shingle (not the 4-nail builder default), full ice-and-water shield in valleys and at all penetrations, drip edge metal at eaves and rakes, and proper starter strip on the perimeter. A permit pulled at the [McAllen Development Center](/areas/mcallen) is required for the work. Inspectors check the underlayment and the nailing pattern before shingles go down on top.

Why this matters for an insurance claim: if the initial adjuster scope only writes for the shingle replacement and leaves out the code-required items, those items are supplementable. A correctly documented code-compliance supplement is one of the most common line items recovered in McAllen hail claims. Our [storm damage repair team in McAllen](/areas/mcallen/storm-damage-repair) and our [roof replacement crew in McAllen](/areas/mcallen/roof-replacement) handle the permit, the inspection, and the supplement documentation as part of the standard scope.

For storm-related emergency work that cannot wait for the full replacement process, see our [emergency roof repair in McAllen](/areas/mcallen/emergency-roof-repair) options.

Common questions

Is it too late to file a claim for May 2024 McAllen hail damage? It depends on your specific policy. Most Texas HO-3 policies impose a two-year statutory deadline counted from the date of loss or the date of claim denial, but prompt-notice clauses can be shorter. Pull your declarations page this week and call your carrier to confirm. Some carriers will accept a late-discovered damage claim with proper documentation. Some will not.

What does hail damage actually look like two years later? Granule loss visible as dark pockmarks across the shingle field, exposed black asphalt mat where granules have shed, hairline cracking on shingle tabs, accelerated UV degradation on pipe boots and skylight sealants, and occasionally crushed OSB decking detectable from inside the attic. The damage looks worse in 2026 than it did in 2024 because the shingle mat shed its protective granules across two cooling and heating cycles.

Does Baccaro charge for the inspection? No. Baccaro inspections are always free in McAllen and across the Rio Grande Valley. We will produce a written report and photo documentation whether or not we find damage and whether or not you ultimately hire us.

What if I already have a 2024 claim that was underpaid? The supplement process is the standard remedy. We document the line items that were missed in the original adjuster scope, including code-required items like 6-nail fastening, ice-and-water shield, and drip edge metal, and submit them through your existing claim file. This is part of our standard [McAllen insurance claim help](/areas/mcallen/insurance-claim) workflow.

Can a roofer pay or waive my deductible? No. It is illegal in Texas under Texas Insurance Code §707. Any contractor who offers to pay, waive, rebate, or absorb your deductible is either uninformed or willing to commit insurance fraud with your signature on the contract. Walk away from any such offer.

Should I sign an Assignment of Benefits to speed up the claim? No. An AOB transfers your claim rights to the contractor and removes your control over scope, supplements, and the deductible. The Texas Department of Insurance and FEMA have both warned consumers about AOB abuse in post-storm cycles. Baccaro does not work AOB contracts.

What zip codes were hardest hit by the May 2024 event? Per NOAA Storm Events Database records and our own inspection volume, the 78504 corridor through North McAllen, Sharyland, and the Trenton Crossing area absorbed the heaviest impact with 1.5 to 2 inch hailstones and isolated 2.5+ inch reports along Bicentennial Blvd. 78503 and 78501 caught lighter trailing-edge hits. Las Brisas saw moderate damage.

How fast can Baccaro inspect my roof? Same week in most cases, and same day for emergency leak situations. Call (956) 600-0501 to schedule.

Get a quote

Call (956) 600-0501 or request a free inspection online. We will be on your roof this week with a drone, a written report, and an honest read on whether 2024 hail damage is documentable and within your claim window. Owner-operated by Ronnie Baccaro. 5+ years in McAllen. 500+ projects. 5.0 star rating across 20 verified reviews. GAF, Owens Corning, and CertainTeed product lines. No AOB. No deductible games. No kitchen-table pressure.