Which roof makes sense if you plan to stay put?
If you expect to live in your Kerrville home for many years, upfront cost matters less than how the roof handles the next few hailstorms. Standing seam metal sheds hail and rain well and needs little upkeep, though large stones can dent it. Concrete tile is heavy and durable but can crack under hail and needs framing strong enough to carry it.
Class 4 impact-resistant shingles cost less than metal and qualify for a premium discount with many insurers, since Texas requires them to offer one on qualifying roofs. The amount varies by company, so call your agent before you choose. Our guide to the Class 4 discount explains what to ask and what paperwork insurers want.
What should a hail inspection show your insurer?
A useful inspection does more than say the roof is damaged. We mark hits in a test square on each slope, photograph bruises with a scale in the frame, and check soft metals like vents, flashing and gutters, which show hail size clearly. That record helps an adjuster see the storm's effect slope by slope.
Texas law bars roofers from acting as public adjusters and from waiving deductibles, so we stay in our lane: document, explain and repair. You handle the claim with your insurer, and we'll meet the adjuster on the roof if you'd like. Our hail repair service picks up once the scope is agreed.
Small upgrades that cut down on roof chores
Gutters packed with oak leaves and cedar debris are one of the most common reasons people climb a ladder. Gutter guards cut that down a lot. We also swap rubber pipe boots for longer-lasting styles, seal exposed nail heads, and point out branches you may want trimmed back from the roof.
Some owners would rather have a yearly visit than climb up themselves. We check the roof, clear valleys and gutters, and send photos of anything that needs attention. If you'd like that set up, phone (210) 750-1898.
On tile roofs, we also check the underlayment at the eaves and valleys every few years. That's where water collects, and it's the first place an aging tile roof starts to leak.
