Storm & Hail Damage
Roof Repair.

Within 48 hours of a hailstorm in the RGV: photograph the damage from the ground, schedule a professional hail damage assessment, document the storm date with NOAA records, call your insurance company to open a claim, and avoid signing anything with door-to-door storm-chaser contractors. CCL provides emergency roof repair tarping and full hail damage assessment within 48 hours of any RGV storm event — call (956) 463-4117.

The first 48 hours matter for two reasons. First, fresh damage is easier to document and easier to attribute to the specific storm — adjusters look at granule loss patterns, dent shape, and the freshness of any exposed wood when deciding cause. Second, follow-up rain after a hail event can turn cosmetic damage into interior leaks, so emergency tarping in the first day or two prevents secondary damage that the insurer may not cover.

What to photograph from the ground: the gutters (check for granule accumulation), any visible damaged areas, downspout outflows, the property as a whole including dents in window screens, AC fins, and patio furniture (this corroborates hail size). What not to do: don't climb the roof yourself, don't sign with the first contractor who knocks on your door (storm-chasers from out of region are aggressive in the first 48 hours), and don't wait — Texas has a 1-year statute of limitations and most storm-chaser issues stem from rushed paperwork.

Hail damage on shingle roofs shows as circular dark spots where granules have been knocked loose, soft spots when pressed, cracked or split shingles, and exposed mat. On metal roofs, look for dents in the field of panels and dimpled flashing. A professional hail damage roof inspection finds 70% more damage than visual ground checks.

What's not hail damage: blistering (caused by trapped moisture during manufacture), thermal cracking (caused by UV degradation, looks like a grid pattern), or wear patterns from foot traffic. Insurers will deny claims for these conditions, and storm-chaser contractors who try to pass them off as hail damage create problems for legitimate claims later. We document only what's actually hail damage and let the rest go.

Why ground inspection misses damage: most hail strikes the steeper-pitched slopes and ridge lines that aren't visible from the yard. The damage that's most visible from the ground (gutter granule accumulation, downspout splash zones) is the most obvious — but the bulk of the claim value lives on the upper slopes where you can't see it. A professional hail damage roof inspection includes a roof walk with photo documentation of every slope.

What an adjuster looks for vs. what a roofer looks for: adjusters work to a checklist, count strikes per slope, and rule on whether the threshold for full replacement is met. Roofers (and especially contractors who run storm claims regularly) look at strike density, granule loss patterns, and whether the underlying mat is exposed — and we know which damage points the adjuster is most likely to miss. Wind damage roof repair indicators are different again — lifted shingles, creased shingles, missing ridge cap — and we document those alongside hail.

CCL Contracting has been a roof storm damage contractor in the Rio Grande Valley since 2009. We've worked claims through every major RGV storm event in that span, with adjusters from Allstate, State Farm, USAA, Farmers, Liberty Mutual, and TWIA-issued policies covering Cameron, Hidalgo, and Willacy counties. The relationships matter because the adjuster who shows up to your house has likely worked a CCL claim before — and that consistency tends to produce cleaner inspections.

Our 90%+ claim approval rate isn't because we file inflated claims. It's because we document well, work the supplements that should be covered, and don't try to push damage that isn't there. The opposite of a storm-chaser model — same business address in Weslaco, same crew, same construction-degreed leadership for 15+ years.