How Much Does It Cost To Repair A Hail Damaged Roof?

Hailstorms in Rockwall, TX do not ask permission. They roll in fast, leave dents, bruised shingles, and the kind of roof damage that does not always show up from the street. If you are pricing hail damage roof repair after a spring cell or a late fall storm, you want a clear range, the factors that push costs up or down, and straight talk on insurance and timing. This guide lays out real numbers, what we see on homes around Lake Ray Hubbard, Buffalo Creek, The Shores, Chandlers Landing, and neighborhoods off Goliad, Horizon, and FM 3097, plus how SCR, Inc. General Contractors approaches repairs that last.

First, what “hail damage” really looks like on a roof

Hail does not affect every roof the same way. Impact depends on hail size, wind speed and angle, roof age, and material. On asphalt shingles, damage shows as dark impact marks where granules are knocked loose. You can see soft bruises that give under finger pressure. On newer architectural shingles, the mat can crack even when granules still look decent. On older three-tab shingles, you often see blow-offs because hail weakens tabs and the next gust takes them.

Metal roofs may not leak right away, but dents can deform seams or damage coating, which can void paint warranties. Tile roofs can crack at corners or along nailing points. Low-slope roofs with modified bitumen or TPO show punctures, scuffs, or displaced seams.

We have climbed thousands of roofs around Rockwall after hail. The most common pattern is scattered bruising concentrated on slopes facing the storm, with soft aluminum roof accessories (vents, gutters, window wraps) peppered like a golf ball. If you see dented gutters and downspouts, expect shingle impact on matching slopes.

The short answer on cost in Rockwall

For a typical single-family home in Rockwall, TX, hail damage roof repair costs usually fall into these ranges:

• Minor repair: $350 to $1,200 for spot repairs, sealant work, and a handful of shingle replacements on one slope.
• Moderate repair: $1,200 to $3,500 for slope-specific shingle replacement, dozens of shingle swaps, and accessory replacements such as vents and pipe boots.
• Partial reroof (one or two slopes): $4,000 to $9,000 depending on slope size, pitch, access, and material.
• Full asphalt shingle replacement: $9,500 to $22,000 for most homes in Rockwall. Steep roofs, two-story homes, and designer shingles can reach $28,000 or more.
• Metal roof panel replacement or extensive dent remediation: $6,000 to $35,000+, with full metal reroofs in the $28,000 to $65,000 range depending on panel type and complexity.
• Tile replacement (spot repairs): $750 to $3,500. Full tile reroofs vary widely, often $25,000 to $60,000+ due to underlayment replacement and labor.

These are cash prices. Insurance often covers storm-related damage, minus your deductible. Your actual out-of-pocket is usually the deductible, plus any upgrades you choose, code-required items beyond policy coverage, or add-ons like gutter replacement if not covered.

Why the number swings: the variables that set your price

Material type drives cost first. Architectural asphalt shingles are most common in Rockwall neighborhoods and offer the best cost per year of service. Designer shingles carry higher material and labor cost. Impact-resistant (IR) shingles cost more upfront but often earn a premium discount from your insurer.

Roof size and geometry are next. We measure in squares, where one square is 100 square feet of roofing. A 24-square roof is common for a single-story home here. Steepness adds labor. Multiple planes, valleys, dormers, and two-story access increase setup time and safety requirements.

Extent of damage matters. If hail damage is isolated to the west and southwest slopes, you might only need a partial replacement. If bruising and mat fracture show across all slopes, full replacement is the right path. We document slope by slope because adjusters make decisions that way.

Underlayment and decking condition play a role. If the storm peeled shingles and water got under, we may find swollen OSB or rotted decking at the eaves. Replacing decking runs about $70 to $120 per sheet installed. Code in our area often requires synthetic underlayment, drip edge, and proper ventilation, which can add cost but improves long-term performance.

Accessories and penetrations add line items. Turtle vents, ridge vents, pipe boots, chimney flashings, skylights, solar mounts, satellite cables, and HVAC flues commercial roofing company Rockwall TX all need assessment. Hail often crushes soft metal vents. Replacing a standard pipe boot is minor. Reworking a brick chimney cricket and flashing is more involved and usually adds $450 to $1,200 depending on size and masonry needs.

Disposal and access matter. Tight side yards, pools, landscaping, and long hauls to the dumpster add labor. Steeper pitches require more harness work and staging. We plan these to protect your property and keep crews productive without cutting corners.

What insurance usually covers in hail events

In Texas, hail damage is generally covered under a standard homeowners policy as a named peril. Payment type depends on your policy. Replacement cost value (RCV) policies pay to replace with like kind and quality, less your deductible. Actual cash value (ACV) policies subtract depreciation, which can reduce your payout if your roof is older.

Hail deductibles in Rockwall often sit at 1 percent of your dwelling coverage, sometimes 2 percent. On a $400,000 dwelling limit, that means a $4,000 or $8,000 deductible. Some high-wind and hail endorsements spell out different deductibles by peril.

Many carriers include code upgrade coverage (ordinance and law) in percentages, commonly 10 percent of coverage A. That helps with costs for drip edge, ventilation, or deck renailing if code requires it. Not all policies include this, so we review your declarations page with you, explain what those line items mean, and coordinate with your adjuster.

Cosmetic exclusions on metal roofs can complicate claims. If dents do not affect function, some policies exclude coverage. We document seam integrity, coating loss, and fastener performance to support functional damage when present.

How SCR, Inc. bids hail damage roof repair in Rockwall

Our process is simple and transparent. We inspect the roof and all elevations. We take clear photos and mark impact areas with chalk so an adjuster sees the same thing we see. We measure the roof, count penetrations, note ventilation and decking conditions, and check gutters, downspouts, window wrapping, and garage doors for impact. You receive a written scope with a line-by-line breakdown.

We price using current Rockwall material costs and local labor rates. If you are filing insurance, we work from a platform that adjusters use, which keeps the conversation apples to apples. You see the full number, how depreciation applies if it does, and your deductible. You will not get surprise addendums at the end unless we discover concealed damage like rotten decking, which we photograph and document before proceeding.

Real examples from Rockwall neighborhoods

A hip-roof ranch near Yellowjacket Lane had widespread granule loss and bruising on all slopes after a storm with 1.5-inch hail and strong west wind. The home had a 26-square architectural shingle roof. The full replacement with synthetic underlayment, ridge vent conversion, painted metal pipe jacks, and drip edge came in at $16,800. Insurance covered RCV less a $4,000 deductible. The homeowner chose an impact-resistant shingle upgrade, which added $1,900 out of pocket but reduced annual premiums by about 18 percent.

A two-story in The Shores with a steep front gable took visible hits on two primary slopes. The back slopes were protected by tree cover and had minimal impact. Partial reroof on two slopes plus new vents and gutters ran $9,400. Insurance approved partial replacement based on slope-specific damage.

A standing seam metal roof off Ridge Road had cosmetic dents across open exposures. Seams were sound, panels tight, and coating intact. The policy had a cosmetic exclusion. The owner opted to leave the roof and replace dented box vents and a damaged skylight curb. The repair bill was $2,200.

What can be repaired, and what should be replaced

You can replace individual shingles where damage is isolated. That makes sense when bruising is light and scattered. The challenge is color matching. Even if you have extra bundles in the garage, sun exposure fades shingle color. On older roofs, a patch can telegraph. If we cannot match, a large patch may create a checkerboard look and reduce curb appeal. We discuss this plainly before we cut in.

If impact fractures the shingle mat, the roof will deteriorate faster and leak risk increases. At that point, full slope replacement is justified. Insurance carriers often agree when we present consistent test squares showing damage counts beyond their thresholds.

Metal roofs need careful assessment. Dents on flat pans may be cosmetic. If hems, seams, or lock joints took hits that loosened or deformed, water and wind can get in. Fastener-backout after hail is a red flag on exposed fastener systems. On hidden fastener standing seam, damaged clips or seam locks call for panel replacement.

Tile roofs can accept spot replacement if you have matching tiles. If the brand is discontinued, we may salvage from less visible areas for front slopes and backfill with a close match at the rear. Underlayment condition dictates whether a broader replacement is wise, because tile systems depend on underlayment for waterproofing.

The true cost of waiting after a hailstorm

Hail damage to shingles is often a slow leak risk. The roof may not drip right away. But granule loss exposes asphalt. UV then accelerates aging, and bruised areas turn into cracks under heat cycles. We have seen clients delay in April, then meet us again in September with interior stains. At that point, add drywall repair, paint, and sometimes insulation replacement.

Another hidden cost is claim timing. Most policies require prompt reporting, often within 6 to 12 months. If you wait too long, adjusters can argue normal wear. When we document fresh hail in Rockwall, we include storm date references from local reports, ridge cap strikes, and collateral hits on metal to demonstrate timing.

What you can expect to pay for common line items

Homeowners like to see where money goes. Here are typical ranges we see in Rockwall for materials and tasks, recognizing each home is different:

• Architectural asphalt shingle removal and install: $350 to $650 per square installed, depending on steepness and access.
• Synthetic underlayment upgrade: $8 to $15 per square beyond basic felt.
• Ice and water shield in valleys and around penetrations: $45 to $80 per square of coverage.
• Drip edge installed: $3 to $5 per linear foot.
• Ridge vent conversion: $12 to $20 per linear foot including cutout.
• Pipe boots: $65 to $120 each installed, upgraded lifetime boots $150 to $250.
• Turtle vents: $125 to $225 each installed, though ridge vent is often cleaner and more effective.
• Decking replacement: $70 to $120 per 4x8 sheet installed.
• Gutter replacement (common after hail): $8 to $14 per linear foot for 5-inch K-style aluminum; add $2 to $3 per foot for 6-inch.

These ranges align with current Rockwall supplier pricing as of this season. Prices move with petroleum products, labor availability, and storm demand.

Will an impact-resistant shingle pay off here?

In Rockwall, it often makes sense. Class 4 impact-resistant shingles can reduce hail damage risk, especially from smaller hail. They are not bulletproof against large stones or sharp wind-driven impacts, but they hold up better. Many insurers offer premium discounts from 10 to 28 percent for Class 4. You need to submit a proof of installation form and sometimes a photo of the shingle stamp.

Upgrading during a hail claim means you pay the difference between standard shingles and IR shingles. On a 30-square roof, that difference might be $1,500 to $2,500. With a discount of $300 to $600 per year, the upgrade can pay back in three to six years.

A clean, local process that respects your home

We stage materials in the driveway, lay tarps to protect landscape beds, and run catch nets at roof edges where space allows. We move vehicles out of the drop zone. We use magnets around the property at the end of each day for nails. If you work from home, we set a clear start time and warn you before hammering starts. Tear-off is noisy; we schedule efficiently and clean as we go.

On most asphalt roofs, our crews complete tear-off and dry-in the same day, then install shingles the next day. A 24- to 28-square job often finishes in two working days, three if steep or complex. We handle city permits where required and schedule final inspections. You get a manufacturer warranty and our labor warranty in writing.

How we help with the insurance claim without pressure

You control the claim. We help you document and meet the adjuster. We provide scope and measurements and answer technical questions on your behalf. We do not overstate damage or push unneeded upgrades. If the adjuster’s first estimate misses code items or undercounts accessories, we submit a supplement with photos.

We invoice exactly what we install. If your carrier holds back depreciation, we supply completion photos and the final invoice to trigger release. If you want to upgrade to impact-resistant shingles or change ventilation, we price the difference before work starts.

How to decide: repair or replace after hail in Rockwall

Start with age. If your shingle roof is 14 years old and the storm caused widespread bruising, replacement is usually smarter than patching. You reset the clock and align with insurer expectations. If your roof is five years old and damage is localized, spot repairs may be fine, especially if color match is close.

Look at attic ventilation. Hail claims are a good time to fix heat buildup that shortens roof life. Ridge vent with balanced soffit intake often performs better than box vents. We evaluate and show you the numbers based on net free area.

Factor in your deductible. If your deductible is close to the cost of repair and the roof is otherwise healthy, you might pay out of pocket and save the claim for a larger event. If damage is clear across multiple slopes, filing makes sense.

Consider resale. Buyers in Rockwall ask about roof age. A recent full replacement with an impact-resistant shingle is a selling point and can smooth appraisal.

Avoiding common mistakes after a hailstorm

Do not sign a contingency agreement on the driveway without reading it. Some contracts lock you into using a contractor no matter how the claim resolves. We offer a straightforward agreement that ties work to approved scope and pricing.

Do not accept a low cash price from a door-knocker who will not show current insurance, references in Rockwall, and a physical office. Storm chasers leave quickly; warranty claims become hard. SCR, Inc. lives and works here, and you will know who to call.

Do not let anyone “eat” your deductible. Texas law prohibits deductible waivers. Insurers ask for proof of deductible payment, and you want a clean, legal claim file.

Do not delay the inspection. The sooner we document, the better your claim position and the lower your risk of secondary damage.

A simple homeowner checklist for the first 72 hours after hail

• Walk the property safely and photograph dents on gutters, downspouts, window screens, and AC fins.
• Check for missing shingles on the ground and look at roof slopes from the yard with binoculars.
• Call SCR, Inc. for a same-week roof inspection and a written damage report with photos.
• Review your policy for deductible and coverage type; we can help interpret.
• If leaks appear, place buckets, move valuables, and call us for an emergency tarp or dry-in.

What sets SCR, Inc. apart on hail damage roof repair in Rockwall

Local knowledge matters. We know how Rockwall inspectors read code, how carriers write scopes in this area, and how to stage projects in tight lake-adjacent lots, cul-de-sacs, and HOA neighborhoods. Our crews are trained for steep work and detail flashing at walls and chimneys. We pick shingles from suppliers with reliable local stock so your job does not sit half-done waiting on a color.

We price fairly, show every line item, and keep agreements simple. We do not overpromise. We do schedule well, communicate daily during your project, and leave your property clean.

Budget planning: a practical way to think about it

If you are early in the process and want a quick planning number, use this approach. For asphalt shingles on a single-story Rockwall home, multiply your roof size in squares by $475 to $575 for a ballpark. Add $1,000 to $2,000 for vents, pipe boots, ridge vent, and drip edge. Add $500 to $1,500 for steep or two-story access. If gutters are dented and will be replaced, add $1,500 to $3,000 depending on footage.

If insurance is involved, your likely out-of-pocket equals your deductible plus any upgrades you choose. Keep a small reserve for unforeseen decking. Most homes do not need much decking work, but it is smart to set aside $300 to $800 just in case.

Timing in Rockwall’s storm season

Peak hail in our area hits from March through June, with a secondary bump in late fall. Material lead times can lengthen after a large event, and roofs book up fast. Quick inspection and carrier contact help you land in the first wave of scheduled replacements. We keep crews ready during storm season and slot emergency dry-ins the same day when rain is imminent.

Ready to run the numbers on your home?

If your home in Rockwall, Heath, Fate, McLendon-Chisholm, or Rowlett took hail, we can give you a clear, written estimate and a set of photos that show exactly where your roof stands. We do not pressure. We explain, price, and schedule cleanly. If the roof only needs a repair, we will say so. If full replacement makes more sense, you will get the why and the cost laid out.

Call SCR, Inc. General Contractors to schedule a hail damage roof repair inspection. We serve Rockwall and nearby neighborhoods every day, and we are ready to help you protect your home with honest pricing and dependable work.