May 12, 2026 8:14 pm
Published by pollylorenzo.digital@gmail.com
Central Texas spring 2026 has already delivered: flash flood warnings, severe thunderstorm watches, 1.75-inch hail near San Antonio, and Level 2 storm risk across the Austin metro — and we’re only in mid-April. If history is any guide, May and June will bring additional hail events, microbursts, and flood conditions to Austin, San Antonio, and Round Rock. This guide covers what you need to know before the next storm hits — and after.
Before the Storm: What Protects Your Claim Starts Now
The single best thing you can do before a storm is create a documented record of your property’s current condition. This is called a property assessment — and it’s something almost no homeowner has, and almost every insurance carrier wishes you didn’t.
- Walk your roof perimeter and photograph current condition
- Video your home’s interior room by room — open closets, document electronics, furniture, and valuables
- Keep receipts and records for high-value items
- Review your current policy: know your deductible, your ALE limit, and your coverage for contents
- Confirm your property’s current replacement value — not market value — is reflected properly in your policy limits
After the Storm: The Right Sequence of Steps
What you do in the first 24–72 hours after storm damage significantly affects your claim outcome. Here is the sequence Mike A recommends to every Central Texas homeowner:
- Safety first — don’t enter a structurally compromised building
- Document before cleanup — photographs and video before any debris is removed
- Temporary protective measures — tarps on roofs, boarding windows — are generally covered and prevent further loss
- Notify your insurer — but don’t give a recorded statement without representation
| 📍 Mike Acerra is based in Central Texas with offices in San Antonio and Round Rock, serving Austin and all surrounding communities — so when a storm hits your neighborhood, Mike A can be on-site fast. |
Understanding Texas Storm Season Patterns: Austin, San Antonio & Round Rock
Austin: The capital city sits at the intersection of Gulf moisture and Hill Country topography, making it especially prone to microburst events, large hail, and flash flooding along creek corridors. The Onion Creek, Barton Creek, and Slaughter Creek floodplains affect tens of thousands of properties.
San Antonio: Bexar County has one of the highest frequencies of flash flood events in Texas. The Leon Creek and Salado Creek watersheds historically overflow during major storm systems. Hail events are common across the north and northwest corridors toward Boerne and Helotes.
Round Rock: One of Texas’s fastest-growing cities, Round Rock sits directly in the I-35 storm corridor, making it a regular target for hail and severe thunderstorm events. New construction neighborhoods in Cedar Ridge, Vista Oaks, and Forest Creek areas face specific roof damage patterns that carrier adjusters routinely miss.
Why Texas Homeowners Get Underpaid — and How to Fight Back
Texas insurance carriers are required by law to acknowledge claims within 15 days, accept or reject within 15 business days of receiving documentation, and pay accepted claims within 5 business days. Violations carry 18% interest penalties plus attorney’s fees under the Texas Prompt Payment of Claims Act. But most homeowners don’t know this — and carriers count on it.
| 18%
Penalty Interest onLate TX Insurance Payments |
15
Business Days for Carrierto Accept/Reject Your Claim |
5
Business Days to PayAfter Claim Acceptance |
Mike A Gets You Paid — Central Texas’s Trusted Public Adjuster
With an MBA, contractor and two adjuster licenses, and years of experience working inside the insurance industry before becoming a public adjuster, Mike Acerra understands the system from the inside. He serves Austin, San Antonio, Round Rock, and all of Central Texas — fighting for homeowners and business owners who deserve every dollar their policy provides.
Tags: Central Texas spring storm 2026, hail water fire damage claim Texas, insurance claim help Central Texas, Mike A Gets You Paid, mikeathepa.com, public adjuster Austin Texas, public adjuster san antonio texas, Round Rock storm damage insurance claim
Categorised in: Insurance, Public Adjuster, Storm Damage
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