Case Study: Hail-Damaged Roof Replacement in Slaton, TX
A South Plains hailstorm took out a 12-year-old composition roof. Here's how the Jones & Associates team walked the homeowner from inspection to insurance check to a finished install.
Project: Hail-damaged composition shingle roof replacement
Location: Slaton, TX (Lubbock County)
Material: Class 4 impact-resistant architectural shingle
Timeline: Inspection to completion in 18 days
The situation
A late-spring South Plains hailstorm rolled across Slaton on a Tuesday afternoon. By Wednesday morning the homeowner could see granules in the gutters and a few visible bruise marks on the south-facing slopes. The roof was 12 years old — a 30-year architectural shingle that had taken hits before but looked like it had crossed a threshold this time.
What we did first
The homeowner called Jones & Associates before calling the insurance company. We had a free inspection scheduled for the next afternoon. Our inspector walked all six roof slopes, marked every hail strike with chalk, photographed everything, and confirmed: the damage exceeded the deductible. We helped the homeowner file a claim with their insurance company that evening.
The adjuster meeting
The adjuster came out the following Tuesday. We met him on the roof — one of our experienced field reps was up there with him for the entire walk-through. Two slopes the adjuster had initially planned to mark as “repair only” were upgraded to full replacement after we walked him through the impact pattern. The homeowner’s scope of work came in significantly higher than it would have without contractor representation.
The install
Once the insurance paperwork was approved, we scheduled the tear-off and replacement. The homeowner upgraded to Class 4 impact-resistant shingles — the energy-bill savings were minor, but the impact rating qualified them for an insurance discount that’ll pay back the upgrade cost in about four years.
Tear-off and install took two days. We protected the landscaping with tarps, magnet-swept the yard for nails, and walked the property with the homeowner before we left.
The financial picture
Total project cost was paid by the insurance company, minus the homeowner’s deductible (which Texas HB 2102 prohibits any contractor from absorbing) and a small upgrade-cost contribution for the Class 4 shingles. The homeowner walked away with a new 30-year roof, an insurance discount on their next premium, and zero out-of-pocket beyond their deductible.
If you think your West Texas home took hail damage in the last storm, read our storm-damage page or call us at (806) 796-1913 for a free inspection.