What Texas homeowners need to know about hail, roofing materials, and insurance coverage.
We’ve gotten this question more than once:
“Will my insurance cover hail damage to a metal roof?”
If you live in North Texas, it’s a smart question to ask.
Between spring hailstorms and unpredictable summer weather, your roof takes a beating.
And for homeowners with metal roofing systems, known for durability and curb appeal—it's natural to wonder what happens if a storm leaves a mark.
The short answer? It depends on your insurance policy.
The long answer? This blog!
Let’s walk through what you should know—without overstepping any legal lines—so you can make informed decisions and protect your home with confidence.
Let’s step back and talk about how metal roofs handle hail.
Generally speaking, metal roofing systems hold up very well during hailstorms.
They’re impact-resistant, fire-safe, and often outperform other materials like asphalt shingles in high-wind or hail-prone regions like DFW.
But that doesn’t mean they’re immune.
Hailstones—especially larger ones—can dent panels, bend seams, or leave visible impressions on the surface.
That brings us to an important distinction:
There’s a difference between cosmetic damage and functional damage.
This distinction matters a lot when it comes to your insurance.
Now, let’s talk about coverage—without overstepping into claim negotiation territory.
Most homeowners insurance policies in Texas do cover hail damage as part of your dwelling coverage. But how that coverage applies depends on a few key details written into your specific policy:
Some insurance policies specifically state that cosmetic hail damage to metal roofs is not covered.
In those cases, if the roof still functions as intended, the insurer may not approve a claim just based on appearance.
This is why it’s so important to read the fine print.
If you’re not sure what your policy says, your best move is to speak directly with your insurance agent or a licensed public adjuster.
Contractors like us can give you an honest assessment of what we see—but we can’t tell you what your policy does or doesn’t cover.
If you think your metal roof took a hit during a recent storm, here’s what you can do:
Just remember: Only the insurance company (or a licensed public adjuster) can decide what’s covered.
Roofing contractors can’t—and legally shouldn’t—negotiate claims on your behalf.
That would be considered the Unauthorized Practice of Public Adjusting (UPPA) under Texas law.
Even if the damage isn’t obvious from the ground, a good inspection is worth the peace of mind. And if you ever do need to file a claim, documentation can make a big difference.
Clear photos, written assessments, and even “before” pictures taken during past maintenance visits can help support your case.
This is especially true for metal roofs, where dents and dings may seem minor but could still warrant attention depending on your coverage.
Staying proactive helps protect your investment and avoid surprises when the next storm rolls through.
We’d be remiss not to mention one more important topic when talking about hail damage: red flags to watch out for after a major storm.
In North Texas, hailstorms often bring more than just roof damage—they attract a wave of out-of-town contractors and aggressive salespeople looking to capitalize on the situation.
While not every visiting roofer has bad intentions, it’s important to be cautious and protect yourself from companies that may cut corners or even break the law.
Here are a few red flags to look out for:
A trustworthy roofing contractor will respect your time, answer your questions, and stay within legal boundaries.
Look for companies with a long-standing local reputation, proper certifications, and a focus on quality—not just quick sales.
Taking the time to choose the right contractor can make all the difference in your post-storm recovery.
So—will insurance pay for hail damage to a metal roof?
Maybe, maybe not. It all comes down to your individual policy and what kind of damage was done.
The best thing you can do as a homeowner in DFW is stay informed, stay prepared, and ask questions when you need to.
Metal roofs are a smart, durable choice for our climate, but no roof is 100% immune to what Texas weather throws at it.
At Ramon Roofing, we have extensive experience installing and working with metal roofing systems of all types.
If you’re unsure whether your roof needs attention after a hailstorm, we’re here to help with honest inspections and expert care—no pressure, no sales pitch, and no crossing lines we’re not supposed to.
Just reliable roofing support from a team that’s been doing this in your neighborhood for decades.
Chat with one of our experts today: https://www.ramonroofing.com/