Round Rock Hail Storm? Here’s What Homeowners Should Do in the First 48 Hours

If a hail storm just rolled through Round Rock, you’re probably looking at your roof, your car, and your siding wondering what to do next. The decisions you make in the first 48 hours can directly impact how much your insurance company pays on your claim.

Here’s what you need to do:

1. Document Everything Before You Touch Anything

Before calling a contractor or moving anything, take photos and videos of all visible damage.

Walk your entire property and document:

• Roof (from the ground)
• Gutters and downspouts
• Siding and window frames
• AC unit and outdoor equipment
• Fences and surrounding structures

The more documentation you have immediately after the storm, the harder it is for the insurance company to dispute your claim later.

Make sure your photos have timestamps.

2. Do Not Sign Anything From a Contractor Right Away

After a major storm, contractors will show up quickly.

Some are legitimate — others are not.

Do not:

• Sign a direction to pay
• Agree to work before understanding your claim
• Let anyone pressure you into a contract

Always verify your coverage and fully understand what you’re signing first.

3. File Your Claim Promptly — But Do It Smart

Most Texas policies have deadlines for filing storm damage claims.

However:

• Filing too quickly without documentation can hurt you
• Early low estimates can be difficult to correct later

Best move:
Get a proper inspection and estimate before or immediately after filing.

4. Understand What Your Policy Actually Covers

Hail damage is often more than just your roof.

Your policy may cover:

• Gutters and downspouts
• Siding and trim
• HVAC systems
• Fencing and detached structures
• Skylights and solar panels

A full inspection ensures nothing is missed.

5. Consider Hiring a Public Adjuster First

The insurance company’s adjuster works for them — not for you.

A public adjuster:

• Inspects and documents all damage
• Creates a detailed estimate using Xactimate
• Negotiates directly with the insurance company

In areas like Teravista, Paloma Lake, and Forest Creek, hail damage is often widespread — and underpaid.

Having someone on your side can make a significant financial difference.

Ready to Get What Your Claim Is Really Worth?

If your property was damaged — or your claim has already been underpaid or denied — we can help.

Mike Acerra is a licensed public adjuster with over 15 years of experience, working directly for homeowners — not insurance companies.

Fill out the contact form at mikeathepa.com.

No upfront cost — you only pay if more money is recovered for you.

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This post was written by Michael Acerra Public Adjuster