Preparing Your Texas Home for Hail Season: Insurance and Prevention Tips

When Is Hail Season in Texas?

While hail can occur year-round in Texas, the peak season typically runs from March through June. North Texas, including Dallas, Plano, and Frisco, sees particularly frequent hail activity during spring months.

Pre-Season Insurance Checklist

Review Your Policy

Confirm your current hail deductible percentage

Verify your dwelling coverage reflects current rebuild costs

Understand what's covered and what's excluded

Check for any coverage changes since last renewal

Document Your Property

Take photos/video of your roof from multiple angles

Document all exterior surfaces (siding, windows, gutters)

Keep records of recent repairs or improvements

Store documentation in cloud storage for easy access

Verify Your Deductible Fund

Calculate your potential out-of-pocket cost:

Dwelling Coverage × Hail Deductible % = Your Cost

Example: $350,000 × 2% = $7,000

Home Protection Measures

Roof Considerations

Schedule a professional roof inspection

Address any existing damage or wear

Consider impact-resistant roofing during replacement

Clean gutters and ensure proper drainage

Outdoor Property

Secure or store patio furniture during warnings

Park vehicles in garage when storms approach

Trim trees near your home

Protect HVAC units and outdoor equipment

After a Hail Event

Immediate Steps

Document damage with photos and video before repairs

Note the date and approximate time of the storm

Get a professional roof inspection

Contact your insurance agent to file a claim

Avoid Common Mistakes

Don't sign contracts with "storm chasers" immediately

Get multiple repair estimates from licensed contractors

Don't authorize repairs before insurance inspection

Keep all receipts and documentation

Ready to Get Protected?

Get a personalized home insurance quote from an independent agent who will find the right coverage for your needs.

Preparing for Texas Hail Season