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Odds are:
They send out an adjuster to inspect. He'll look for hail strikes. If any are confirmed, those individual shingles are probably covered.
He will proceed to circle all of the strikes and then draw out a 10'X10' square (referred to as a "square" in roofing terms) and that square will be the representative sample of hail damage for the whole slope or roof. Enough hits in that "sample" area, and the whole roof gets replaced.
If you are getting replacement cash value, he'll do an estimate on the roof and take off depreciation. He'll cut you a check for the depreciated amount, and you can collect the difference when the work is completed.
- BG
and then cancel you.
The only time "repercussions" could arise is if an adjuster spots an irregularity that the underwriters need to know about. The liability people would love to hear about your eight pitbulls that you listed as jack russells.
Someone getting nailed with hail is nothing out of the ordinary.
- BG
This guy knows what he is talking about and is spot on in everything he said...good detail as well about the "test square" haha
so...to expand on what he said...I am an adjuster and have worked many claims in TX when on the Catastrophe Team of the company I work for. Nonetheless, what area of TX do you live in? If it is the DFW Metroplex, then yeah, you prolly have hail damage, same goes for the Austin area...I would have a LOCAL, again...LOCAL...roofer come out to check it for you prior to filing a claim. Not a storm chaser that is only in town for the hail vent and then will not be around for any follow up maintenance that is needed.
One issue you have to deal with in TX is the wind/hail percentage deductible. You may not have a percentage deductible, but you likely do. You probably have a standard deductible of $500 or $1000 on a claim, but the wind/hail percentage deductible could be anywhere from 1%-5% depending on your policy and what you chose when you set it up based on how much premium you wanted to pay. The percentage deductible overrides the standard deductible and is based on the amount of your building coverage on your house, not based on the amount of the claim. (i.e. if you have a $200,000 house and have a 2% deductible, you have a $4000 deductible for wind/hail only) The companies do this because of the frequency of wind/hail events in TX, OK, KS, etc...
Also, as was said, if you haven't had much claim history and file a claim for hail damage, it is very very very likely the insurance company won't even give it a second thought. So no worries there either...
Otherwise, IM me if you have any questions. I will be glad to answer anything you have or help in any way I can.