Hail & Storm Damage Roof Repair
SP Construction LLC repairs hail, wind, and storm-damaged roofs for homeowners and businesses in Temple, Belton, and across Central Texas. We inspect the roof, document the damage with photos, protect your home from further leaks, and complete the repair or replacement once your insurance claim is approved. If a storm just rolled through, call 254-931-9313. A real person answers, and the inspection is free.
Nature does enough damage. After a big storm, you don't need a crew from three states away knocking on your door with a clipboard and a deal that sounds too good. You need someone local who'll still be here when the warranty matters.
Storm Season Hits Temple and Belton Hard
Central Texas gets its share of severe spring weather, and Bell County takes more than its share. When a powerful storm tore through the area in spring 2024, the Killeen Daily Herald reported that Temple saw the worst damage of any city in the county. We were on roofs across town in the weeks after.
The tricky part about hail is that most of the damage can't be seen from the ground. Bruised shingles, cracked mats, and stripped granules may not leak for months. By the time a ceiling stain shows up, the insurance window may be closing and the decking underneath may be soft. That's why we recommend an inspection after any storm with hail, even if everything looks fine from the driveway. If you want to know what to look for, start with the top signs your roof needs immediate attention.
Our Storm Damage Roofing Services
Free Storm Damage Inspections
We get on the roof, check every slope, and photograph what we find: hail hits, missing or creased shingles, dented vents and flashing, and damaged gutters. You get a clear explanation of the damage and our honest opinion on whether it's worth filing a claim.
Emergency Leak Protection
If water is coming in, we'll tarp or patch the roof to stop further damage until permanent repairs can be made. Keep the receipt, since most policies cover reasonable temporary repairs.
Hail and Wind Damage Repair
For isolated damage, we replace damaged shingles, flashing, vents, and pipe boots and match the existing roof as closely as possible. We'll tell you straight if the damage is spread too wide for a repair to make sense.
Full Roof Replacement
When a storm totals a roof, we handle tear-off, decking repairs, underlayment, flashing, ventilation, and installation. Most homes are done in one to a few days. See our residential roofing and commercial roofing pages for the systems we install.
Interior Damage Repair
A storm leak rarely stops at the roof. Our general contracting crew repairs water-damaged drywall, ceilings, paint, and wood, so you're dealing with one company instead of three.
How We Help With Your Roof Insurance Claim
Here's what working with us looks like after a storm:
Call us first, or right after you call your insurer. We'll schedule a free inspection, usually within days of the storm.
We inspect and document. You get dated photos and a written summary of the damage to share with your insurance company.
We protect the home. Active leaks get tarped or patched so the damage doesn't spread.
We meet your adjuster on the roof. When the adjuster visits, we can be there to point out everything we found, so nothing gets missed.
We do the work right. Once your claim is approved, we complete the repair or replacement to manufacturer specs and clean up when we're done.
One thing we won't do is negotiate or settle your claim for you. Texas law prohibits roofing contractors from acting as adjusters or public adjusters on homes they repair, and any roofer who promises to "handle your claim" is either cutting corners or breaking the law. Your insurance company decides the claim. Our job is to make sure the damage is documented accurately and the repair is done right.
What Homeowners Insurance Usually Covers
If you have wind and hail coverage, your insurer should pay for sudden storm damage to your roof, minus your deductible. A few things to know before you file:
Your wind and hail deductible may be different. Many Texas policies use a separate deductible for wind and hail, often a percentage of your home's insured value.
Roof age matters. Some policies pay full replacement cost, while others pay actual cash value, which subtracts for wear on older roofs.
Wear and tear isn't covered. Insurance pays for storm damage, not a roof that's simply reached the end of its life.
The Texas Department of Insurance recommends filing as soon as you can, photographing the damage, saving receipts for temporary repairs, and being present for the adjuster's visit.
Watch Out for Storm Chasers
After every major hailstorm, out-of-town crews flood Temple and Belton. Many do sloppy work and are gone before the first leak. Protect yourself:
Get more than one estimate, and be wary of anyone pushing you to sign the same day.
Never pay in full up front. A legitimate contractor won't ask for it.
Walk away from deductible deals. It's illegal in Texas for a contractor to waive or absorb your deductible.
Ask where they're based. We're in Temple, and our family has lived in Central Texas for 17 years. If something goes wrong, we're here to fix it.
Rebuild Stronger Than Before
If a storm means you need a new roof anyway, it's the right time to upgrade. Impact-resistant shingles and metal roofing hold up far better to hail, and some insurers offer premium discounts for impact-resistant roofs. The Insurance Institute for Business & Home Safety publishes independent hail ratings for impact-resistant shingles, and our metal roof vs. asphalt shingles comparison [HOLD-02] lays out the tradeoffs. To get ready before next spring, read our guide to preparing your roof for Texas storm season.
Storm Damage Repair Across Central Texas
We handle storm damage in Temple, Belton, Cameron [HOLD-06], Killeen [HOLD-04], Harker Heights, Copperas Cove, and everywhere in between. See our full service area [HOLD-03].
Frequently Asked Questions
How do I know if hail damaged my roof?
Often you can't tell from the ground. Common signs include dented gutters, vents, or flashing; granules piling up at downspouts; and dark spots or cracks on shingles. Interior water stains usually mean damage has already let water in. The safest move is a free inspection after any storm with hail.
Should I call a roofer or my insurance company first?
Either order works, but don't wait long on either one. A roofer's inspection tells you whether there's enough damage to justify a claim, which can keep you from filing over damage that doesn't meet your deductible. Then file promptly, since policies set time limits for reporting storm damage.
Will filing a hail claim raise my insurance rates?
It depends on your insurer and your claim history. Weather claims are generally treated differently from claims caused by neglect, but ask your agent how your specific policy handles them before you file.
Can you negotiate my claim with the insurance company?
No. Texas law prohibits roofing contractors from acting as adjusters or public adjusters on homes they repair. We document the damage, meet the adjuster on site to point it out, and complete the approved work. Your insurer decides the claim.
Do you offer emergency roof tarping after a storm?
Yes. If your roof is actively leaking, we'll tarp or patch it to prevent further damage until permanent repairs can be made. Call 254-931-9313.
Call SP Construction After the Storm
Hail or wind hit your roof? Don't wait for a ceiling stain to tell you. Call SP Construction at 254-931-9313 for a free storm damage inspection in Temple, Belton, or anywhere in Central Texas. We'll get on the roof, document what we find, and give you a straight answer on what comes next. Local, woman-owned, fully insured, and here long after the storm chasers leave.