Keller Hail Damage Claim Help

A Texas Public Adjuster works only for you

Hail rolled through Keller, and now your roof, siding, and windows are showing it. So what happens when your insurance company undervalues or denies your Keller hail damage claim? A Public Adjuster licensed by the Texas Department of Insurance inspects your loss, interprets your policy, and negotiates directly with your carrier to pursue the full settlement your policy actually owes you.

Understanding Keller Hail Damage

Texas leads the nation in hail claims year after year, and Keller sits in the middle of it. Tarrant County ranks among the top counties in the country for expected annual hail loss, at roughly $85 million a year. A single 2023 outbreak across Dallas-Fort Worth produced billions in insured losses, nearly all of it hail.

Filing a Keller hail damage claim and getting paid fairly is another matter. That is where public adjusting companies like Tiger Adjusters® support policyholders through the process.

Keller Hail Damage Facts

Spring is peak season in North Texas, with March through May producing the heaviest activity, though storms can hit in any month. Hailstones an inch or larger bruise shingles, strip granules, dent siding and gutters, crack skylights, and flatten HVAC fins. Much of that damage is invisible from the ground.

Avoid Hail Damage Claim Pitfalls

Read your declarations page before the next storm, not after. Most Texas homeowners policies carry a separate wind and hail deductible, often a percentage of your dwelling limit rather than a flat amount. On a $500,000 home, a 2% wind and hail deductible is $10,000 out of pocket.

Then check how your roof is valued. Replacement cost pays what a new roof costs today; actual cash value subtracts depreciation. Many carriers move older roofs to ACV or add a cosmetic damage exclusion at renewal.

Starting the Insurance Claim Process

Report the loss quickly; many Texas policies require notice within a year. Photograph and video everything before repairs, make only temporary repairs until the adjuster has seen the damage, and keep every receipt.

Texas law also puts your insurer on a clock. Under the Prompt Payment of Claims Act, your company generally must acknowledge your claim within 15 days and accept or reject it within 15 business days of receiving the information it requested.

Calling a Keller Public Adjuster

Public Adjusters are insurance experts licensed by the Texas Department of Insurance and hired by policyholders, not carriers. Tiger Adjusters® is highly ranked by consumers, offers free damage inspections, and provides complimentary policy reviews.

About Texas Public Adjusters

● Paid on contingency. Under Texas Insurance Code §4102.104, total commission may not exceed 10% of the insurance settlement.

● Required to use a written, Commissioner-approved contract with a 72-hour right to cancel and a prominent WE REPRESENT THE INSURED ONLY notice.

● Cannot repair what they adjust. Texas bars contractors from acting as public adjusters on property they may service.

● Cannot accept referral fees, practice law, or endorse your claim checks.

The Texas Department of Insurance urges homeowners to "file a claim quickly" and to keep damaged property until the carrier approves discarding it.

Public Adjusters are consumer advocates licensed by the state to represent policyholders, not insurers.

After a free inspection of your roof, siding, and windows, they document and value your loss.

A Public Adjuster then presents your Keller hail damage claim and negotiates with your carrier.

Leo Kosi

Owner Operator & Public Adjuster

Keller, TX

TX #3457672 

(469) 895-9574  

L_Kosi@TigerAdjusters.com