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.

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.

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.

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.

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Baccaro Roofing GuideHail Damage Season in South Texas: 2026 Guide

May 25, 202610 min read

TL;DR: South Texas hail season runs March through June with peak activity April-May. The Rio Grande Valley regularly sees 1-2 inch hail. Class 4 impact-resistant shingles survive most events; standard 3-tab shingles can total in a single storm. Document every hail event within 48 hours, get an independent inspection BEFORE the adjuster, and never accept "we'll cover your deductible" — that's Texas insurance fraud.

The Rio Grande Valley sits in a hail corridor that produces 12-20 hail events per year. April and May are peak. Knowing what to look for, what to do, and what to claim saves real money.

What hail does to a roof

Hail damage falls into three severity tiers:

### Tier 1: Cosmetic only (~0.75-1.25 inch hail)

- Bruised granules - Minor surface dimpling - No fractures in the asphalt mat - No insurance claim warranted (deductible likely exceeds repair cost)

### Tier 2: Functional damage (~1.25-1.75 inch hail)

- Granule loss in concentrated areas - Mat fractures becoming visible - Reduced lifespan from UV exposure - Insurance claim viable if multiple slopes affected

### Tier 3: Total loss (~1.75 inch+ hail)

- Through-mat punctures - Multiple shingles breached - Active leaks within weeks - Insurance pays for full replacement

For RGV-specific hail history and severity data, [NOAA Severe Storm Database](https://www.spc.noaa.gov/wcm/) tracks every reported event.

How to spot hail damage from the ground

You can't always tell from the ground — that's why we recommend a free inspection after every event ≥1 inch. Visual cues:

Granule piles in gutters = top layer is failing
Bare/shiny spots on shingles = mat is exposed
Round bruises on metal flashings (chimneys, vents) = hail impact zones
Damaged window screens, dented mailboxes, broken plant leaves = collateral evidence of hail size
Dimpled gutter aprons = corroborating evidence

If your neighbors are filing claims, you should get inspected. Hail patterns are localized but not random — same neighborhood usually means same storm path.

What insurance covers

Hail damage on a roof less than 15 years old is typically covered after your deductible. For older roofs:

| Roof age | Typical coverage | |----------|------------------| | < 10 years | Full replacement after deductible | | 10-15 years | Full replacement; some carriers may scrutinize | | 15-20 years | Heavy depreciation; case-by-case | | 20+ years | Often denied as "wear and tear" |

Bring your declarations page to our inspection — we'll model your real out-of-pocket.

The Class 4 advantage

Class 4 impact-resistant shingles are tested with steel balls dropped from 20 feet (UL 2218 standard). They survive most RGV hail events without claim-worthy damage. The premium is small ($1,500-$3,000 over standard architectural for a typical home) and Texas insurers offer 10-25% discounts. Math:

| Item | 30-year cost (standard architectural) | 30-year cost (Class 4) | |------|--------------------------------------:|------------------------:| | Initial install | $14,500 | $17,000 | | Insurance over 30 years (with discount) | $60,000 | $48,000 | | Hail-induced replacement (1 in 30 years) | $14,500 | $0 | | Total | $89,000 | $65,000 |

Class 4 saves ~$24,000 over 30 years. See [Why Class 4 Shingles Beat 3-Tab in the RGV](/blog/why-class-4-shingles-beat-3-tab-rgv).

Standing-seam metal in hail

Metal can dent in severe hail but rarely fails. Cosmetic damage is sometimes a concern; functional damage is rare. Most carriers offer Class 4 discounts on standing-seam metal as well.

What to do after a hail event

### Within 24 hours

- Photo the size of hailstones (use a coin or ruler for scale) - Photo any obvious roof or property damage - Save the largest hailstones in your freezer (yes, really — for documentation) - Time-stamp everything

### Within 48 hours

- Schedule a roof inspection (free with us) - Note any interior leaks - Photo the damage zones identified by the inspector

### Within 7 days

- File the insurance claim (most carriers require notice within 30-60 days) - Get the claim number - Schedule the adjuster

### Before the adjuster arrives

- Have your independent inspection report in hand - Be present during the adjuster's visit - Walk the roof together - Compare the adjuster's findings to your roofer's report

Adjusters miss damage 30-40% of the time on hail claims. The independent report is the single biggest factor in a fully-paid claim.

Common scams after hail events

1. "We'll cover your deductible" — illegal in Texas (insurance fraud) 2. Door-to-door storm chasers — out-of-state contractors who disappear 3. "Free roof inspection" with high-pressure sales — legit free inspections don't pressure 4. Pre-signed contracts — never sign anything that says "if insurance approves, we'll do the work" 5. "We'll inflate the claim" — also fraud, can invalidate the entire claim

RGV hail-prone neighborhoods

Hail patterns vary year-to-year, but historically active zones include: - North McAllen (residential corridor north of Trenton) - Sharyland and Mission - Edinburg residential (northern subdivisions) - Brownsville west side - Harlingen northwest

We track every named storm and hail event across the RGV — call (956) 600-0501 if you're in any of these zones after a known event.

Common questions

### How fast can you inspect after a storm?

Same day or next day for non-emergency in normal weeks. After major hail events with surge demand, 3-7 days. Free inspections always.

### Should I file a claim if there's no obvious damage?

If hail was 1.25 inch+ and your area was affected, yes — get an inspection first. We tell you honestly if filing makes sense.

### Will my premium go up?

One hail claim usually doesn't increase rates in Texas. Multiple claims in a few years can.

### What if my roof is 17 years old?

Some carriers depreciate heavily but won't outright deny. Our inspection establishes baseline; the adjuster decides scope. Older roofs are at higher risk for total loss in major hail.

### Is metal worth it for hail country?

Yes for hail-prone homeowners. Metal is more dent-resistant than asphalt. Standing-seam metal also qualifies for Class 4 discounts in many cases.

Get a free post-hail inspection

(956) 600-0501 — free, no-obligation. We document with photos, meet your adjuster, coordinate the claim.