Blog

Finding a roofing contractor in Cedar Park, TX you can actually trust starts with knowing what your roof needs — before anyone shows up at your door with a quote. Most Cedar Park homeowners don’t think about their roof until something forces them to: a water stain on the ceiling, a shingle in the yard after a storm, or a neighbor getting a new roof and suddenly realizing yours hasn’t been looked at in years. This guide covers everything you need to know — warning signs, repair vs. replacement, storm damage steps, insurance, and how to find the right roofing contractor in Cedar Park, TX for your home.

Looking for Something in Particular?

• What Your Roof Actually Does
• 10 Warning Signs Your Roof Is Failing
• How Long Does a Roof Last in Central Texas?
• Roof Repair vs. Roof Replacement
• The Best Roofing Materials for Texas Weather
• Storm Damage in Cedar Park, TX: What Every Homeowner Should Do
• How Roofing Insurance Claims Work in Texas
• How to Find a Roofing Contractor You Can Trust in Cedar Park
• Why Windham Roofing Is Cedar Park’s Most Trusted Roofing Contract

---

What Your Roof Actually Does

It’s easy to think of your roof as just shingles — but it’s a layered system where every component has a specific job.

• Shingles are the outer layer that sheds water and absorbs the brunt of weather exposure
• Underlayment is a waterproof barrier beneath the shingles — your second line of defense if a shingle is compromised
• Flashing is the metal sealing around chimneys, vents, skylights, and roof edges where water is most likely to find its way in
• Decking is the wooden base everything sits on — when moisture reaches this layer, repairs get expensive fast
• Ventilation regulates heat and moisture in your attic, directly affecting the lifespan of everything above it

When a leak shows up on your ceiling, it almost never started there. Water travels through multiple layers before becoming visible inside your home — and by the time you see it, it’s usually been happening for weeks or months.

10 Warning Signs Your Roof Is Failing

You don’t need to get on the roof to spot trouble. Here’s what to watch for from the ground and inside your home.

Outside:

• Missing, curling, or cracked shingles
• Granules collecting in your gutters — coarse, dark material that looks like sand means your shingles are wearing out
• Sagging along any part of the roofline
• Moss or algae growth across large sections
• Damaged or lifting flashing around the chimney or vents
• Dents on gutters, AC housing, or metal trim after a storm — a sign hail was large enough to damage shingles too

Inside:

• Water stains or discoloration on ceilings or walls
• Musty smell or visible moisture in the attic
• Daylight visible through the attic roof boards
• Energy bills that have crept up — a failing roof means poor insulation performance

Any one of these is worth a professional inspection. Multiple signs together mean don’t wait.

How Long Does a Roof Last in Central Texas?

Lifespan depends on material and installation quality — but Texas’s climate shortens the timeline compared to milder regions.

Material	Average Lifespan
3-Tab Asphalt Shingles	15–20 years
Architectural Asphalt Shingles	22–28 years
Metal Roofing	40–70 years
Wood Shake	20–25 years
Tile	40–50 years

Central Texas is hard on roofs in ways that don’t show up in national averages. Intense UV exposure, extreme summer heat, high humidity, and a hail season that runs from March through June all accelerate shingle deterioration faster than milder climates. A roof rated for 30 years in the Northeast may realistically perform for 20–25 years in the Cedar Park area.

If your roof is approaching the end of its expected lifespan, start planning proactively. A roof that “looks okay” from the driveway can still be a year or two from failure.

Roof Repair vs. Roof Replacement

This is the decision most homeowners stress about most — and it almost always comes down to two things: how widespread the damage is and how much life the roof has left.

Repair makes sense when:

• Damage is isolated to one section or area
• The roof is under 15 years old
• The underlying decking and structure are still sound
• A single weather event caused the problem

Replacement makes sense when:

• Damage is widespread across multiple areas
• The roof is 20+ years old with significant wear
• The same areas keep needing repeated repairs
• Moisture has reached the decking or structural components below

The goal isn’t the cheaper option today — it’s the option that doesn’t cost you more in two or three years. A repair on a roof that’s genuinely failing is a delay, not a solution. If you’re not sure which applies to your home, a roofing contractor in Cedar Park, TX can inspect the roof and give you a straight answer — without the pressure to commit.

The Best Roofing Materials for Texas Weather

Choosing the right material is one of the most important conversations you’ll have with your roofing contractor. Cedar Park, TX homeowners have specific weather conditions to account for — here’s how the most common options stack up.

Architectural Asphalt Shingles The most practical choice for most Cedar Park homeowners. Modern architectural shingles are significantly more durable than older 3-tab shingles, with better wind resistance and impact ratings. Impact-resistant versions — Class 4, the highest rating available — are worth serious consideration in Central Texas given the frequency and severity of hail events.

Metal Roofing The long-term investment choice. Metal handles Texas heat, UV exposure, and hail better than asphalt and lasts two to three times as long. The upfront cost is higher, but over a 40–50 year window the math almost always favors metal when you factor in the replacement cycles asphalt requires. It also reflects solar heat rather than absorbing it, which shows up on your summer utility bills.

Tile Roofing Clay and concrete tile are popular in Central Texas for their durability and aesthetic — they hold up well against UV and heat, and they’re a natural fit for Spanish and Mediterranean-style architecture common in the area. They add significant weight, so structural support needs to be verified before installation.

Wood Shake Natural character and curb appeal, but requires more maintenance than other options and is more vulnerable to moisture and fire. In a climate with Texas humidity and storm activity, shake needs consistent upkeep to reach its potential lifespan.

Storm Damage in Cedar Park, TX: What Every Homeowner Should Do

Central Texas storms don’t announce themselves with much warning — and the damage they leave behind isn’t always obvious from the ground. Here’s what to do after a major wind, hail, or storm event:

1. Stay safe. Don’t get on your roof immediately after a storm.
2. Document from the ground. Walk the perimeter and photograph anything that looks off — missing shingles, dented gutters, debris on the roof, damaged flashing.
3. Check your gutters and downspouts. Significant granule material washing out after a storm means your shingles took hits.
4. Look for soft metal damage. Dents on your AC unit housing, gutters, or downspouts are a strong indicator that hail was large enough to damage your shingles too.
5. Check inside. Look for new water stains, moisture in the attic, or anything that wasn’t there before the storm.
6. Call a roofing contractor for an inspection. Storm damage isn’t always visible from the ground. A professional can identify compromised shingles, damaged underlayment, and subtle impact damage that will become a leak later.
7. File your insurance claim promptly. Texas policies have filing windows — waiting too long gives insurers grounds to question whether damage is storm-related or pre-existing.

For a deeper dive into hail damage specifically — what it does to your roof, how to spot it, and how insurance claims work — read our complete hail damage roof replacement guide here.

How Roofing Insurance Claims Work in Texas

Homeowners insurance in Texas typically covers sudden, accidental damage — hail, wind, falling trees. It does not cover age-related wear or neglect. Here’s how a standard claim plays out:

1. You document the damage and file a claim with your insurance company
2. An adjuster is assigned to inspect and estimate the damage
3. If approved, insurance pays a settlement minus your deductible
4. You hire a contractor and the work gets completed

A few things worth knowing going into the process:

Work with a contractor experienced in insurance claims. A roofer who knows the claims process will walk the roof with your adjuster, document everything thoroughly, and make sure nothing gets left out of the settlement. Windham Roofing handles this process directly — initial damage inspection, adjuster communication, and claim representation — so you’re not navigating it alone.

Understand your deductible. Some Texas policies carry a separate, higher deductible specifically for wind and hail. Know what yours says before you file. For Texas-specific policy guidance, the Texas Department of Insurance is a reliable resource for understanding your coverage.

Never let a contractor waive your deductible. This is insurance fraud in Texas and creates serious legal risk for the homeowner. Any contractor who offers this should be avoided.

File promptly. The longer you wait, the easier it becomes for insurers to challenge whether damage is storm-related.

How to Find a Roofing Contractor You Can Trust in Cedar Park

After a major storm, out-of-town contractors flood the Cedar Park and Austin area looking for quick jobs. Many disappear before any warranty issues arise. Here’s how to separate legitimate local contractors from the rest:

They’re local and established. A company with roots in your community has a reputation to protect. Look for years of service in Cedar Park and the surrounding area — not just a P.O. box and a new website.

They’re licensed and insured. Ask for proof of contractor licensing and a certificate of insurance showing general liability and workers’ compensation. A legitimate contractor provides this without hesitation.

They put everything in writing. Scope of work, materials, timeline, and payment schedule — all documented before work begins.

They don’t pressure you. A trustworthy contractor gives you time to review the estimate and ask questions. Anyone pushing you to sign same-day after a storm is a red flag.

They have real local reviews. Check Google. Ask for references from Cedar Park homeowners who’ve had similar work done.

They handle the insurance process with you. A roofing contractor in Cedar Park, TX who knows the claims process will help you get the full value of your settlement — not leave you to figure it out alone.

---

Why Windham Roofing Is Cedar Park’s Most Trusted Roofing Contractor

Windham Roofing has been serving Cedar Park and the greater Austin area since 2001 — over two decades of roofing, storm damage restoration, gutters, siding, and window replacement for homeowners across Central Texas.

As a family-owned company, they treat every project with the kind of care that comes from having a real stake in the community they serve. They’re not a franchise. They’re not a storm chaser. They’re a local team that shows up, does the work right, and stands behind it.

Insurance claims expertise. Their team handles the entire insurance process — initial damage inspection, adjuster communication, documentation, and claim representation. Cedar Park homeowners consistently point to Ryan and the team’s ability to make the insurance process simple as the thing that sets them apart.

Honest assessments. They tell you what your roof actually needs — whether that’s a repair, a replacement, or nothing at all. No upselling, no unnecessary work.

Licensed and insured. Windham Roofing is a licensed, insured roofing contractor in Cedar Park, TX. Proof available on request.

A satisfaction guarantee. They stand behind their work with a satisfaction guarantee and some of the best warranties in the area.

Whether you’re dealing with storm damage, an aging roof that’s run its course, or you just haven’t had an inspection in a few years — the smartest next step is getting a professional look at what you’re working with.

Contact Windham Roofing for a free inspection and estimate →

If you live in Central Texas, hail isn’t a question of if — it’s when. The Austin and Cedar Park area sits squarely in a stretch of the country that sees some of the most frequent and damaging hailstorms in the United States. A storm that passes through in twenty minutes can leave behind thousands of dollars in roof damage that isn’t always obvious until water starts finding its way inside your home.

If you just went through a hailstorm — or you’re not sure whether your roof came out okay — this guide is for you. Here’s what hail actually does to a roof, how to tell if yours was damaged, how insurance fits into the picture, and what to do next.

Table of Contents:

• What Hail Actually Does to Your Roof
• 5 Signs Your Roof May Have Hail Damage
• Does Homeowners Insurance Cover Hail Damage Roof Replacement?
• Repair or Full Replacement — How Do You Know Which One You Need?
• Why Acting Quickly on Hail Damage Matters

---

What Hail Actually Does to Your Roof

Hail damage isn’t always dramatic. You won’t always see missing shingles or obvious holes. A lot of the damage hail causes is subtle — and that’s exactly what makes it dangerous.

Here’s what’s happening when hailstones hit your roof:

Granule loss. Asphalt shingles are coated with tiny granules — the rough, sand-like surface you can feel if you touch a shingle. Those granules are your roof’s first line of defense against UV exposure and weathering. When hail strikes, it knocks granules loose. You’ll often see them collecting in your gutters or downspouts after a storm. A shingle that’s lost its granules is exposed and deteriorating — it might look fine from the ground, but it’s aged years in a single storm.

Soft spots and bruising. Larger hailstones leave actual dents or soft spots in the shingle mat underneath the surface — similar to bruising. You can sometimes feel these with your hand but can’t see them from the ground. A bruised shingle has compromised structural integrity and will fail faster than an undamaged one.

Cracking and splitting. High-velocity hail can crack shingles outright, especially on older or more brittle roofs. Cracks are direct entry points for water.

Damaged flashing and accessories. Hail doesn’t just hit the shingles — it also strikes the metal flashing around your chimney and vents, gutters, and any skylights or roof penetrations. Dented or displaced flashing breaks the seal that keeps water out at the most vulnerable points on your roof.

The tricky thing about all of this: most of it is invisible from the ground. A roof that looks completely intact after a hailstorm can still be significantly compromised. That’s why a ground-level look after a storm isn’t a substitute for an actual inspection.

5 Signs Your Roof May Have Hail Damage

You don’t need to get on the roof yourself to start looking for signs. Here’s what to check from the ground and around your property:

Granules in your gutters or downspouts. 

After a hailstorm, flush your gutters. If you see a significant amount of granule material washing out — it looks like coarse, dark sand — your shingles took hits.

Dents on soft metal surfaces. 

Walk around your home and look at your gutters, downspouts, AC unit housing, and any metal window trim or flashing you can see. Fresh dents on these surfaces are a strong indicator that hail was large enough to cause shingle damage too.

Shingle pieces on the ground. 

Fragments of shingle material around your home’s perimeter after a storm point to impact damage.

New ceiling stains or interior leaks. 

If you notice water stains or new moisture inside your home in the days or weeks after a hailstorm, your roof has been breached. At that point, the damage has already progressed beyond the surface.

Neighbors getting roof work done. 

If you start seeing roofing crews on homes in your neighborhood after a major storm, that’s a strong signal the storm was damaging enough to affect the area broadly — including your home.

If you’re checking more than one of these boxes, get a professional inspection before you do anything else.

Does Homeowners Insurance Cover Hail Damage Roof Replacement?

In most cases — yes. Hail is considered sudden, accidental damage, which is exactly what standard homeowners insurance is designed to cover. But there are important details that determine how a claim plays out.

File fast. 

Texas insurance policies typically have filing windows, and waiting too long after a storm can give your insurer grounds to question whether the damage is truly storm-related or pre-existing. The sooner you document and file, the stronger your position.

Document everything before anything is touched. 

Photos and video of your roof, gutters, and any visible damage taken right after the storm are the foundation of a strong claim. If you have a contractor inspect the roof, get their findings in writing.

Understand your deductible. 

Your settlement will be reduced by your deductible — the portion you’re responsible for out of pocket. Some Texas policies have a separate, higher deductible specifically for wind and hail claims. Know what yours says before you file.

Work with a contractor experienced in insurance claims. 

A roofing contractor who knows the insurance process can document the damage thoroughly, communicate with your adjuster, and make sure nothing gets left out of your settlement. Windham Roofing has a dedicated insurance claims assistance process for exactly this reason — they’ve helped Cedar Park homeowners navigate claims for over 20 years.

One important note: no legitimate contractor will offer to waive your deductible. That’s insurance fraud in Texas, and it can create serious legal problems for the homeowner. If someone offers that, walk away.

Repair or Full Replacement — How Do You Know Which One You Need?

After a hailstorm, the answer isn’t always a full replacement — but it’s also more often than homeowners expect.

Repair is enough when the damage is genuinely isolated to a small section, the roof is relatively new, and the underlying structure is intact.

Replacement is the right call when the damage is widespread across the roof surface (which is common after significant hail events, since hail doesn’t just hit one corner of your roof), the roof is older and already approaching end of life, or the extent of granule loss and shingle bruising means the roof’s overall lifespan has been severely shortened.

Here’s the practical reality: insurance adjusters are assessing the same thing. If hail has compromised your roof’s ability to protect your home going forward — even if it isn’t actively leaking yet — a replacement may be fully covered. A professional inspection will tell you which situation you’re actually in.

Why Acting Quickly on Hail Damage Matters

This is the part a lot of homeowners don’t account for. After a hailstorm, it’s easy to look at your roof, see that it’s still standing, and put it on the to-do list for later. That’s an expensive mistake for a few reasons:

Compromised shingles deteriorate fast. A shingle that’s lost its granule coating or has been bruised is no longer performing at full capacity. The next rain, the next freeze, the next UV-heavy Texas summer — all of it is working on a surface that’s no longer protected the way it should be.

Insurance claim windows close. The longer you wait to document and file, the harder it becomes to tie the damage definitively to a specific storm event.

Small damage becomes expensive damage. Water doesn’t need a gaping hole to get into your home. It just needs compromised shingles and enough time. By the time a leak shows up on your ceiling, you’re dealing with roofing damage plus potential drywall repair, insulation replacement, and mold — all of which costs significantly more than addressing the roof promptly.

---

Get Your Roof Fixed Right.

Windham Roofing has served Cedar Park and the greater Austin area for over 20 years. Hail damage is a significant part of what they do — Central Texas storms are their specialty, not a side job.

What that means for you: they know what insurance adjusters look for, they document damage thoroughly, and they handle the claims process alongside you so you’re not navigating it alone. Honest assessments, clear communication, and work that’s been trusted by Cedar Park homeowners for two decades.

If your roof took a hit — or if you’re just not sure — the smartest next step is getting a professional set of eyes on it before the next storm season arrives.

Schedule your free hail damage inspection with Windham Roofing →

Don’t let hail damage turn into a bigger problem than it needs to be.

A First-Timer’s Guide to Roofing Insurance Claims in Texas

If you’ve just been through a hail storm, a severe wind event, a tropical storm, or a freeze — and you’re staring at a damaged roof, don’t worry. Roofing Insurance can help you cover a significant amount of your roof repair or replacement costs!

You might not have to pay for all of this out of pocket. But only if you know how the process works, and only if you handle it correctly from the start.

This guide breaks down everything a first-time claimant needs to know. What roofing insurance actually covers in Texas. The key terms you’ll encounter. The steps of the claims process. The mistakes that get claims denied. And how having the right roofing contractor in your corner changes everything.

Table of Contents:

• Does Homeowner’s Insurance Even Cover Roof Damage?
• The Texas Weather Events Most Likely to Damage Your Roof
• What Happens If You Don’t File a Claim?
• How the Roof Insurance Claims Process Works, Step by Step
• Key Terms You Need to Know Before You File
• The Mistakes That Get Claims Denied or Underpaid
• How Windham Roofing Helps You Through the Entire Claims Process
• Get Your Money Back From Mother Nature

---

Does Homeowner’s Insurance Even Cover Roof Damage?

If you’ve never filed a roof claim before, this is probably the first question in your head. The answer is: it depends on what caused the damage — and in Texas, the answer is yes more often than you might think.

Homeowner’s insurance is designed to cover roof damage that is sudden and accidental. Meaning damage caused by a specific event outside your control, not gradual wear and tear over time. Texas weather produces exactly the kinds of events that trigger coverage, and it does so more frequently than almost anywhere else in the country.

Events that are typically covered:

• Hail damage (Texas leads the nation in hail damage claims)
• High winds, straight-line winds, and derechos
• Hurricane and tropical storm damage
• Tornado damage
• Ice storms and freeze events (like Winter Storm Uri in 2021)
• Falling trees or large branches landing on your roof

What insurance generally does NOT cover:

• Normal aging and deterioration of shingles over time
• Damage from neglected maintenance (clogged gutters causing water backup, for example)
• Pre-existing damage that was present before your current policy
• Cosmetic damage only, with no functional impairment — depending on your policy

The distinction insurers draw is between storm damage (covered) and wear and tear (not covered). This is also where disputes arise, and where having a trained roofing professional document your damage properly makes a real difference.

The Texas Weather Events Most Likely to Damage Your Roof

Texas is one of the most weather-active states in the country, and Austin and the surrounding Hill Country are far from exempt. Here’s what you’re actually up against — and why each type of event creates specific damage patterns worth knowing about.

Hail

Texas leads every other state in hail damage insurance claims, and the Austin metro sees its share of it. Hail damage is deceptive — from the ground, your roof can look completely fine, while up close it tells a different story. Hailstones impact shingles and knock loose the granules that protect the asphalt underneath. Over time, those impact points become areas of accelerated aging, cracking, and eventually leaking. Hail also dents metal flashing and gutters in ways that compromise their function without being obvious from street level. This is why professional inspection after any hail event matters so much — what you can’t see can still cost you.

High Winds and Severe Storms

Central Texas severe weather regularly produces wind gusts well above 60 mph. At those speeds, shingles can lift, crack, or tear away entirely — especially at roof edges and ridge lines where wind pressure is highest. Even shingles that look intact after a wind event can have broken seals underneath, which allows wind-driven rain to get beneath them and reach the decking. Wind damage is one of the most frequently missed types of damage in homeowner inspections.

Hurricanes and Tropical Storms

While Austin sits inland, major Gulf storms regularly push damaging winds, rain, and debris as far as Central Texas. Coastal areas of Texas — Houston, Corpus Christi, Galveston — face the full force of these events. Wind-driven rain is particularly destructive to roofing systems because it forces water into gaps that normal vertical rain would never reach. If you have any family or investment properties closer to the coast, this section matters even more.

Tornadoes

Tornado activity in Texas is significant. A tornado’s path can cause catastrophic roof damage in a matter of seconds — from shingle loss to full structural failure. Near-miss tornadoes produce severe wind shear that can stress and partially lift entire roof sections without the dramatic visible destruction of a direct hit.

Ice Storms and Freeze Events

Winter Storm Uri in February 2021 was a wake-up call for Texas homeowners who’d never considered cold-weather roof risk. Ice accumulation is heavy — a single inch of ice on a roof surface can add several pounds of weight per square foot. Ice damming at the eaves, where ice blocks drainage and forces water back up under shingles, caused significant damage to homes across Central Texas during that event. Freeze-related roof claims spiked dramatically after Uri and remain a legitimate risk for Austin-area homeowners.

Falling Trees and Debris

Severe storms of any kind can bring down trees and large branches. A direct impact from a falling tree can punch through shingles, decking, and framing. Even a smaller branch impact can crack shingles, damage flashing, and create entry points for water that go unnoticed until the next heavy rain.

What Happens If You Don’t File a Claim?

This is worth addressing directly, because many homeowners in Texas either don’t know a claim is possible or talk themselves out of filing one. Here’s the reality.

Unaddressed roof damage doesn’t stay contained. A compromised shingle seal leads to water intrusion. Water intrusion leads to damaged decking. Damaged decking leads to mold, rot, and eventually structural problems. What might have been a covered insurance claim for a roof replacement becomes an out-of-pocket repair bill that includes interior water damage, insulation replacement, and mold remediation on top of the roof itself.

There’s also a policy consideration: most homeowner’s insurance policies require you to take reasonable steps to prevent further damage after a covered event. Ignoring known damage and letting it worsen can actually give your insurer grounds to reduce or deny a future claim. Acting promptly protects both your home and your claim.

How the Roof Insurance Claims Process Works, Step by Step

If you’ve never filed a roofing claim before, here’s exactly what the process looks like from start to finish.

Step 1: Document the Damage Immediately

After any storm event, do a careful walk around your property and take photos and video of everything you can see — missing shingles, dented gutters, debris on the roof, interior water stains, anything. Don’t wait. The more documentation you have from immediately after the event, the stronger your claim.

Step 2: Get a Professional Roof Inspection Before You Call Your Insurer

This is the step most homeowners skip — and it’s one of the most important. Before you file a claim, have a qualified roofing contractor inspect your roof and provide a written damage assessment. This gives you an independent, expert account of the damage that you can bring to the table when your insurer sends their adjuster. It also ensures you know what you’re dealing with before the insurance conversation begins.

Step 3: File Your Claim With Your Insurance Company

Contact your insurance company and formally file a claim. They’ll give you a claim number and assign an adjuster to your case. Be prepared to provide your documentation, your contractor’s assessment, and a clear account of when the damage occurred and what caused it.

Step 4: The Adjuster Visits Your Property

Your insurer’s adjuster will schedule an inspection of your roof. Remember — this person works for the insurance company. Having your roofing contractor present during this inspection is one of the most valuable things you can do. An experienced roofer can point out damage the adjuster might otherwise miss, ask the right questions, and make sure the scope of damage is fully captured in the adjuster’s report.

Step 5: Review the Insurance Estimate

Your insurer will produce a written estimate of what they’re willing to pay. Review it carefully — or better yet, have your roofing contractor review it. If the estimate misses line items, underestimates material costs, or doesn’t reflect the full scope of damage, this is when a supplement gets filed to correct it.

Step 6: Work Is Completed and Final Payment Is Released

Once you approve the scope and the work is completed, your insurer releases any withheld depreciation (under an RCV policy) upon receiving documentation that the job is done. Your roofing contractor provides this documentation. Final inspection ensures everything meets quality standards before the project is closed out.

Key Terms You Need to Know Before You File

Insurance claims come with their own vocabulary, and going in without knowing these terms puts you at a disadvantage. Here’s a plain-English breakdown of what you’ll encounter.

Premium

The amount you pay monthly or annually to maintain your homeowner’s insurance policy. This isn’t something you pay when you file a claim — it’s your ongoing cost of having coverage.

Deductible

The amount you pay out of pocket before your insurance kicks in. If your roof replacement costs $14,000 and your deductible is $2,000, your insurer pays $12,000. Simple enough — but read the next term carefully.

Hail or Wind Deductible

Many Texas homeowner’s policies have a separate, higher deductible specifically for hail and wind damage. Instead of a flat dollar amount, it’s often calculated as a percentage of your home’s insured value, typically 1–2%. On a home insured for $400,000, a 1% hail deductible means $4,000 comes out of your pocket before insurance pays anything. This surprises a lot of homeowners. Pull out your policy and look for this before you assume your deductible is just your standard amount.

Adjuster

The person your insurance company sends to inspect your roof and assess the damage. It’s important to understand — the adjuster works for the insurance company, not for you. Their job is to evaluate the claim accurately, but their assessment directly impacts how much the insurer pays out. Having an experienced roofer present during the adjuster’s inspection can ensure damage isn’t missed or minimized.

ACV vs. RCV

Two of the most important letters in your policy. ACV (Actual Cash Value) means your insurer pays what your roof is worth today — factoring in age and depreciation. A 15-year-old roof has depreciated significantly, so an ACV payout can be much less than the actual cost to replace it. 

RCV (Replacement Cost Value) means your insurer pays what it actually costs to replace the roof with a comparable new one, regardless of the old roof’s age. RCV coverage is worth having — check your policy to see which one you have.

Depreciation

The reduction in value applied to your roof based on its age and condition. Under an ACV policy, depreciation is permanently subtracted from your payout. Under an RCV policy, depreciation is initially withheld and then released once the work is completed and documented.

Supplement

An additional claim filed after the initial settlement when damage was missed, underestimated, or when material and labor costs exceed the original estimate. This is more common than most homeowners realize, and a good roofing contractor will identify and submit supplements on your behalf.

Claim Denial

When your insurer determines that the damage isn’t covered under your policy and refuses to pay. Denials can sometimes be appealed, particularly if new evidence or documentation is submitted.

The Mistakes That Get Claims Denied or Underpaid

Knowing what not to do is just as important as knowing what to do.

Waiting too long to file

Most Texas homeowner’s insurance policies have a time limit on storm damage claims — often one year from the date of the storm. Don’t assume you have unlimited time. File ASAP.

Not having professional documentation

A homeowner’s phone photos are a starting point, but they’re not a damage assessment. Insurance companies take written reports from qualified roofing professionals far more seriously than self-reported damage descriptions.

Letting the adjuster inspect alone

An adjuster working solo moves quickly and may not spend time on every section of your roof. Having your contractor present ensures nothing gets glossed over.

Signing with the wrong contractor too quickly

After major storms, Austin and the surrounding area sees an influx of out-of-state roofing crews looking to capitalize on the damage. Some operate legitimately. Many do not. A contractor who pressures you to sign before you’ve reviewed their credentials, who asks for full payment upfront, or who can’t provide a local address and license information is a risk you don’t need on top of an already stressful situation.

Misrepresenting the damage or timeline

Filing a claim with inaccurate information, can result in denial and potentially void your coverage. Work with a contractor who documents accurately and honestly.

How Windham Roofing Helps You Through the Entire Claims Process

This is where having the right roofing partner changes everything. Filing a claim on your own — especially for the first time — means going up against an insurance system that processes thousands of claims and knows every policy nuance better than you do. Windham Roofing levels that playing field.

With over 22 years of roofing experience in Austin and Central Texas, Windham Roofing has guided hundreds of homeowners through the insurance claims process. Here’s what that looks like in practice.

We start with a thorough damage inspection

Before anyone talks to your insurance company, our team gets on your roof and documents every detail — granule loss, cracked shingles, damaged flashing, compromised decking, dented gutters. We produce a written damage assessment that gives your claim a professional foundation from day one.

We represent your interests with the adjuster

When your insurance company sends their adjuster, we’re there. We walk the roof with them, point out damage that might otherwise be missed, and make sure the full scope of the loss is captured in the inspection report. This single step has made the difference between a fully funded claim and an underpaid one for many of our customers.

We handle the paperwork and communication

Insurance claims involve documentation, follow-up, and back-and-forth that can consume a homeowner’s time and energy. We manage that process on your behalf — from initial filing support to supplementing the claim if the initial estimate falls short.

We don’t disappear after the check clears

Windham Roofing is locally owned and operated, which means we have a real stake in our reputation in this community. Once your roof is complete, we do a final quality inspection and stand behind our work with strong warranty coverage for both residential and commercial customers.

---

Get Your Money Back From Mother Nature

A damaged roof is stressful enough without having to become an insurance expert overnight. The good news is that you don’t have to. If your roof has been damaged by hail, wind, a storm, a freeze, or a falling tree, the best first step is a free inspection with a roofing team that knows the Texas claims process inside and out.

Windham Roofing offers free roof inspections for Austin-area homeowners. We’ll assess your damage, give you an honest picture of what your roof needs, and walk you through exactly what the insurance process looks like for your specific situation — no pressure, no obligation.

Contact us today to schedule your FREE inspection.

The storm already happened. Let us help you handle what comes next.

If a recent storm just rolled through your area in Texas, you’re probably wondering: “Did my roof take any storm damage?” Between hail, high winds, and heavy rain, Texas storms can do serious damage even if everything looks fine from the ground.

And here’s the problem…

Most storm damage doesn’t show up right away. It builds over time, turning into leaks, structural issues, and expensive repairs if it’s ignored. This guide will walk you through what storms can do to your roof, 11 signs of damage to look for, and what you can do after you’re hit with a storm.

Table of Contents:

• What Storms Can Do to Your Roof
• 11 Signs Your Roof May Have Storm Damage
• Roof Repair vs Roof Replacement After a Storm
• Why You Should Act Quickly
• Best Roofing Materials After Storm Damage (If You Need a Replacement)
• Get a Storm Damage Roof Inspection in Texas

---

What Storms Can Do to Your Roof

Texas storms hit differently.

You’re not just dealing with rain — you’re dealing with:

• High winds that lift or tear off shingles
  
• Hail that cracks and weakens roofing materials
  
• Flying debris that can puncture your roof
  
• Heavy rain that exposes weak points instantly

Even if your roof looks fine, these elements can cause:

• loosened shingles
  
• compromised underlayment
  
• weakened structural areas

And once your roof is compromised, it becomes vulnerable to future storms.

11 Signs Your Roof May Have Storm Damage

After a storm, here are the most common signs homeowners should look for.

Outside Your Home

• Missing or lifted shingles
  
• Debris on your roof
  
• Dented gutters or flashing
  
• Shingle granules collecting on the ground

Inside Your Home

• Water stains on ceilings
  
• Leaks during rain
  
• Damp attic insulation
  
• Musty odors

Hidden Damage Most Homeowners Miss

Some of the worst damage isn’t obvious:

• hail bruising on shingles
  
• minor punctures
  
• wind-loosened materials

This is the kind of damage that turns into leaks weeks or months later.

What to Do Immediately After a Storm

If you think your roof may have been affected, don’t wait.

Here’s what to do next:

1. Do a Safe Visual Check

Walk around your home and look for visible signs — but avoid climbing on your roof.

2. Check Inside Your Home

Look for water spots, leaks, or moisture in ceilings and attic spaces.

3. Document Everything

Take photos of anything that looks off. This helps with insurance and repair decisions.

4. Schedule a Professional Inspection

This is the most important step.

A professional can identify damage you can’t see and help you understand whether you need a repair or full replacement.

Roof Repair vs Roof Replacement After a Storm

Not all storm damage requires a full replacement, but in Texas, it often leads there.

When a Repair Is Enough

Repairs may work if:

• damage is limited to one area
  
• your roof is newer
  
• materials can be matched and replaced

This is typically the faster and lower-cost option.

When Replacement Is Recommended

A full replacement is often the better move when:

• damage is widespread
  
• your roof has been hit multiple times
  
• shingles are weakened across large areas
  
• insurance helps cover the cost

Texas storms often cause more widespread damage than homeowners expect, making replacement the smarter long-term solution.

Why You Should Act Quickly

Waiting after a storm can cost you. Literally.

Delays can lead to:

• worsening leaks
  
• mold and water damage
  
• structural issues
  
• denied or reduced insurance claims

Storm damage doesn’t fix itself. It gets worse over time. The sooner you act, the more options you have and the more you can protect your home.

Best Roofing Materials After Storm Damage (If You Need a Replacement)

If your roof needs to be replaced, this is your chance to upgrade to something more durable for Texas weather. Here are the best options homeowners should consider.

Architectural Asphalt Shingles (Most Popular)

Architectural shingles are the go-to choice for most homeowners.

They offer:

• strong wind resistance
  
• better durability than standard shingles
  
• a dimensional, high-end look
  
• cost-effective pricing

This is the best balance of performance and affordability.

Impact-Resistant Shingles (Best for Hail)

Texas gets hit with hail — a lot.

Impact-resistant shingles are designed to:

• withstand hail impact
  
• reduce cracking and damage
  
• last longer in storm-prone areas

Many are rated Class 4 impact-resistant, the highest level available.

Metal Roofing (Best Long-Term Investment)

Metal roofs are built for durability.

They offer:

• 40–70 year lifespan
  
• excellent wind and hail resistance
  
• low maintenance
  
• energy efficiency

While more expensive upfront, they’re one of the best long-term investments for Texas homeowners.

Synthetic Roofing Materials (Premium Performance)

Synthetic materials mimic slate or wood shake without the downsides.

They offer:

• high durability
  
• lightweight installation
  
• strong impact resistance
  
• luxury appearance

Great for homeowners who want both performance and high-end design.

---

Get a Storm Damage Roof Inspection in Texas

If your home was recently hit by a storm, don’t wait until you see a leak. At Windham Roofing, we specialize in storm damage roof repair and replacement across Texas, helping homeowners restore their roof quickly and correctly.

Our team will:

• inspect your roof thoroughly
  
• identify hidden damage
  
• recommend the right solution
  
• restore your roof with durable, high-quality materials

We know how stressful storm damage can be and we’re here to make the process simple and seamless.

When the storm hits and you need to touch up your home…

Contact Windham Roofing today to schedule your free storm damage roof inspection and protect your home.

Understanding Roof Repair Before Small Problems Become Big Ones

The aftermath of the storm might leave you wondering whether you need a roof repair or a full roof replacement. Maybe you notice a brown stain on the ceiling, shingles show up in your yard after a Texas storm. 

…Or maybe your neighbor just got a new roof and now you’re wondering about yours. If you’ve never dealt with roofing before, the difference can feel confusing. Some contractors say everything needs replacing (avoid them). Others offer a quick patch. The truth is that both solutions are valid but for very different situations.

This guide will explain what roof repair actually means, when a replacement is necessary, and how to recognize the signs before damage spreads so that you know what you need when you call a roofer.

Table of Contents:

• What a Roof Actually Does
• Why Texas Weather Matters
• What Is a Roof Repair?
• What Is a Roof Replacement?
• Why Guessing Is Risky (Don’t Make This Mistake)
• Which Option Is Better, Roof Repair or Replacement?
• Get a FREE Roof Estimate in Cedar Park

---

What a Roof Actually Does

Your roof is more than shingles. It’s a system designed to keep water, heat, and weather outside your home. 

It includes:

• shingles (the outer protective layer)
  
• underlayment (a water barrier beneath the shingles)
  
• flashing (metal pieces around vents, chimneys, and edges)
  
• ventilation
  
• decking (the wood structure underneath)

When one part fails, you may only see a small symptom inside but the cause is usually on the roof itself. That’s why professional inspections will give you the full picture of what’s going on.

Why Texas Weather Matters

Cedar Park roofs face harsh conditions:

• strong sun
  
• sudden storms
  
• hail
  
• high heat
  
• heavy rain

The sun is actually one of the biggest enemies of a roof. UV exposure dries shingles, making them crack and allowing water to enter during storms. Because of this, a roof that looks okay from the ground may still be failing underneath.

What Is a Roof Repair?

A roof repair fixes a specific damaged area while keeping the rest of the roof intact. The roof overall is still healthy. There’s just one localized problem.

Roof repairs are extremely common in Cedar Park because Central Texas storms bring wind, hail, and intense heat. A single storm can loosen or crack shingles without affecting the entire roof.

Common Causes of Roof Repair

Most repairs happen because of:

• wind lifting shingles
  
• hail impacts
  
• cracked flashing around vents
  
• nail pops
  
• minor leaks
  
• fallen branches

These issues don’t mean your roof has failed. They mean a portion of it needs attention.

Signs You Likely Need a Roof Repair

You may only need a repair if you notice:

• a single water stain on a ceiling
  
• a few missing shingles
  
• a leak after a storm
  
• granules in gutters
  
• damage in one specific section

When caught early, a repair can extend the life of your roof for years.

What Is a Roof Replacement?

A roof replacement means the roofing system has reached the end of its useful life or has widespread damage. Instead of fixing one area, the entire surface needs replacement.

In Texas, roofs age faster than many homeowners expect because of intense sun exposure and heat. Over time, shingles dry out and lose flexibility. Once this happens across the roof, repairs no longer solve the underlying problem.

Common Causes of Roof Replacement

Replacement is usually needed because of:

• roof age (typically 15–25 years)
  
• repeated leaks
  
• major hail damage
  
• widespread shingle deterioration
  
• structural decking issues

Signs It’s Time for Replacement

You may need replacement if you see:

• multiple leaks
  
• curling or brittle shingles
  
• bald spots where granules are gone
  
• sagging roof lines
  
• repeated repair attempts
  
• your roof nearing 20 years old

At this stage, patching becomes temporary and costs more long-term.

Why Guessing Is Risky (Don’t Make This Mistake)

Many homeowners wait until a leak appears.

But by the time water reaches your ceiling, it has already passed through:

• shingles
  
• protective underlayment
  
• roof decking

What could have been a simple roof repair can turn into drywall repair, insulation replacement, and mold problems. You can’t safely determine roof condition from inside your home and climbing onto the roof yourself is dangerous.

A professional inspection is the only reliable way to know which solution is appropriate.

Which Option Is Better, Roof Repair or Replacement?

Neither repair nor replacement is automatically better.

• Repair is best when damage is isolated and the roof still has life left.
  
• Replacement is best when deterioration is widespread or age-related.

The right choice protects your home and prevents repeated problems. The wrong choice wastes money. But when you get an estimate, your roofer will give you their expert opinion to assess what would be best for your home. Just be careful if they try to push a replacement when your roof only shows signs of repair.

---

Get a FREE Roof Estimate in Cedar Park

Now that you know the difference between a roof repair and replacement, it’s time to get the solution your roof deserves.

Windham Roofing helps Cedar Park homeowners understand their roof condition clearly. For 25 years, we’ve been setting the standard for quality roofing services in Cedar Park, TX, and beyond. We provide honest inspections and explain whether you need a simple roof repair or a full replacement, and why.

You won’t get pressure. You’ll get information you can trust.

👉 Schedule your FREE roof estimate with Windham Roofing and find out exactly what your home needs.