Storm and hail roof damage repair in DFW

Severe weather is a regular part of life in North Texas. The National Weather Service office in Fort Worth notes that large hail, damaging winds, flooding and tornadoes occur nearly every year in the Dallas/Fort Worth Metroplex, though a specific location is unlikely to see all of them every year, and that severe weather peaks during the spring (NWS Fort Worth). FMGC repairs and replaces damaged roofs on homes and commercial buildings.

Right after the storm

1. Stay off the roof. Photograph what you can see from the ground: dented vents and gutters, missing shingles, granules at the downspouts.
2. Check inside for new ceiling stains, and the attic for daylight or wet decking.
3. Cover what is open. A tarp on the roof or a covered window is the kind of temporary repair the Texas Department of Insurance tells owners to make (TDI).
4. Hold the permanent repair until the insurance adjuster has seen the damage (TDI).
5. Call your insurance company and write down the claim number and the date of the storm.

What Texas law says about roofers and deductibles

• The deductible is yours to pay. It is illegal for contractors to waive your deductible or help you avoid paying it, and your insurance company can ask for proof that you paid it before it pays the full amount of your claim (TDI).
• The contract has to say so. Contracts for $1,000 or more that involve an insurance settlement must include a notice that the policyholder must pay the deductible (TDI).
• A roofer cannot be your adjuster. Texas does not allow a roofer or contractor to act as a public insurance adjuster on a claim if they are also doing the work (TDI).
• As of 2025, there is no state roofing license to check. A 2025 Texas House bill analysis states that Texas does not currently require a state-issued license for reroofing contractors (Texas Legislature). That makes a local address, references and a certificate of insurance the things to ask for.

How roof claims usually pay

The Texas Department of Insurance explains that with replacement cost coverage the company will pay with two checks, that as roofs age some companies switch to actual cash value, and that a company will not pay for a new roof just because it is old or worn out (TDI). Read the roof section of your policy, or ask your agent which kind of coverage you have, before the adjuster visits.

How the repair runs

1. Inspection and photos of the roof surface, flashing, vents, gutters and the attic side of the decking.
2. Emergency tarp if the roof is open. See board-up and tarping.
3. Itemized estimate. If your adjuster visits, we can walk the roof with them and point out what we found.
4. Tear-off and decking repair where the damage calls for it, then underlayment, flashing and the new roof surface.
5. Interior repairs to ceilings, insulation and paint where water came through.
6. Cleanup and final walk with you, including a magnet sweep for nails.

Commercial roofs

Hail on a low-slope commercial roof often shows up later as leaks at seams, flashing and rooftop units, so the inspection includes those. We stage materials and crews to keep entrances and parking usable while the work is under way.

Common questions

Can a roofer waive or cover my deductible?

No. The Texas Department of Insurance says it is illegal for contractors to waive your deductible or help you avoid paying it, and that your insurance company can ask for proof that you paid it before it pays the full amount of your claim. FMGC does not waive or absorb deductibles.

Will insurance buy me a new roof because mine is old?

No. The Texas Department of Insurance says your insurance company will not pay for a new roof just because it is old or worn out. A claim is for damage from a covered event, such as hail or wind.

Can FMGC handle my claim with the insurance company?

No. Texas does not allow a roofer or contractor to act as a public insurance adjuster on a claim if they are also doing the work. We give you an itemized estimate and photos, and we can walk the roof with your adjuster.

Do you repair commercial roofs?

Yes. FMGC repairs and replaces storm and hail damaged roofs on homes and on commercial buildings across Dallas–Fort Worth.

Sources: National Weather Service Fort Worth, Dallas/Fort Worth Climate Narrative; Texas Department of Insurance, Is it OK for a contractor to waive my deductible?, Roofing and insurance: Know the law, Insurance and your roof, Help after a storm and When are water damage and mold covered by insurance?; Texas Legislature, HB 3344 bill analysis (2025).