Commercial Storm Damage Roofing in Texas: Hail, Wind, and Your Insurance Claim

You landed here because a storm hit and you need a straight answer, not a sales pitch. This page is the map. It orients you across every part of a commercial storm claim: spotting the damage, understanding the cost, working the claim, and picking a contractor who'll still be here in year three, then routes you to the page that goes deep on your specific question.

Here's what we cover under commercial storm damage:

• **Commercial Storm Damage Cost:** What storm repairs and full replacements actually run on a commercial roof in Texas, from flat-priced fixes to per-square-foot replacement ranges.
• **Commercial Hail Damage:** How to tell real hail damage from normal wear on a low-slope or metal commercial roof, what size hail does what, and what your adjuster looks for.
• Everything else on your building's roof: Storm work is one service. For repair, replacement, coatings, and maintenance, start with our commercial roofing contractor in Texas page and work down from there.

If you're a property manager or building owner, you probably inherited this roof; you didn't pick the membrane, and you're not sure how old it is. That's fine. The assessment is where you find out. You don't need to become a roofer to protect the asset; you need a contractor who documents everything and tells you the truth.

Texas is one of the hardest storm environments in the country for a commercial roof. Hail events, straight-line winds, and the heat cycling between them all leave different signatures, and the most expensive damage is usually the kind you can't see from the parking lot. Three signatures show up on Texas commercial roofs:

• Hail bruises the membrane. On TPO, PVC, or EPDM single-ply, a hard hit fractures the mat under the surface; the roof doesn't leak today, but the puncture point is already there and it fails a year later. On modified bitumen and built-up roofs, hail crushes the granule surface and drives the aging clock forward. On metal, it dents panels and can split older sealant at the seams.
• Wind works the edges. It peels flashing at parapets, lifts base sheets at the perimeter, opens laps, and tears loose HVAC-curb terminations. A membrane that "held" through the storm can still be compromised at every detail that ties it down.
• Hidden damage is the expensive part. Wet insulation under a bruised membrane, a deck that's been taking on water through a cracked seam, a drain that finally gave up: that's what turns a spot-repair settlement into a full-system claim, and exactly what a rushed inspection misses.

Not sure whether what you're seeing is real storm damage or just an aging roof? That's the whole point of a documented inspection.

Most Texas commercial storm roof repairs are flat-priced, landing between $1,295 and $3,495 for a typical wind or hail fix. A small membrane patch runs $500 to $2,000 as a line item inside that job rather than on its own; full-section replacements run $5,000 to $25,000-plus, sized by roof area and system.

Most commercial storm repairs are flat-priced: a single leak fix, an HVAC-curb reseal, a membrane patch, a panel repair. You get a job total, not a rate to multiply by your building's square footage. Larger scope work (section replacements, full-system replacement, restoration coatings) gets sized by roof area instead.

Updated September 2026. Texas commercial market pricing. Every commercial repair job carries a $1,295 minimum; the smaller items above are line items priced inside that job, not stand-alone calls.

When the storm did enough that you're looking at a new roof, replacement is priced by the square foot, all-in installed: roughly $14.00–$20.00 per square foot for a tear-off and replace, or $9.00–$15.00 per square foot for a recover over a single existing layer (Texas code caps you at two layers, so a recover is only on the table if you're on one now). Final numbers depend on your existing roof condition, the deck and drainage, and rooftop access.

One more thing worth saying plainly: when storm damage is covered, your insurance, not your operating budget, carries most of that number. That's the difference documentation makes.

Here's the order that protects you, and it's not the order most contractors sell.

1. Document before you file. We inspect the roof, photograph every finding, and write the scope of loss, before the adjuster arrives. Walking onto a claim with evidence already in hand changes the conversation.
2. Meet the adjuster on the roof. We help you document your claim and meet directly with your adjuster, so the scope of work reflects the full damage our inspection found, not just what's visible on a fast walk.
3. Repair to the approved scope. Once the claim settles, we install to manufacturer specification, register the warranty in your name, and hand you the closeout documentation ownership will ask for.

That middle step is where commercial claims are won or lost, because a commercial claim doesn't move the way a residential one does.

A commercial claim isn't negotiated the same way as a residential claim. The adjuster is looking for specific damage types and specific code-upgrade triggers. We document both. That's the difference between a spot-repair settlement and a full-system approval.

Those code-upgrade triggers matter more on a commercial building than most owners realize. When a storm forces you to repair or replace enough of a roof section, current code can require the whole assembly to be brought up to standard: insulation R-value, drainage, edge metal, fastening. Documenting that trigger correctly is often the largest single line in a legitimate settlement, and it's the first thing a spot-repair inspection leaves on the table.

A note on your notice window: Commercial property policies differ from residential ones, and most carry their own notice-of-loss and proof-of-loss deadlines. Read your policy's storm-claim provisions early; the clock usually starts at the date of loss and doesn't pause for repair quotes, board approvals, or a second contractor's opinion. Document the damage now; decide on scope after.

Let's be straight about the deductible, because this is where fly-by-night operators get owners in trouble.

Under Texas Insurance Code § 707.002, a property owner insured under a property policy must pay the deductible. A roofer cannot pay it, eat it, or make it disappear for you. Under Texas Business & Commerce Code § 27.02, it is a criminal offense for a contractor to advertise, promise, pay, rebate, or waive all or part of your insurance deductible; that same section requires a bolded warning disclosure on any repair contract of $1,000 or more. And under Texas Insurance Code § 707.004, your carrier can request reasonable proof that you paid the deductible (a canceled check, money order, or bank statement) before releasing withheld recoverable-depreciation funds.

So when an out-of-state crew shows up the day after a hailstorm offering to "take care of your deductible" or "waive it if you sign today," they're describing a crime and flagging themselves as the exact contractor you don't want on a building you're accountable for. Here's what to do instead: pay your deductible, get the documentation right, and walk anyone who offers to waive it. The Texas Department of Insurance gives property owners the same warning.

What ARP actually does is the legitimate version: we make sure the scope of work reflects the full damage our inspection finds, and we hand you the photo record and Xactimate documentation so nothing legitimate gets left out. That's our Insurance Navigator System™: evidence, not advocacy theater.

When something goes wrong with a roof on your watch, you're the one in the meeting explaining it to ownership. So the standard here isn't just fixing the roof: it's making sure you never have to explain a roofing failure to anybody. A few specific reasons that holds up:

• GAF GoldElite Commercial Contractor. ARP holds GAF's top commercial designation: the umbrella certification behind the GAF commercial systems we install (EverGuard TPO and PVC single-ply). We're also an Elevate Red Shield Licensed Contractor and a UNIFLEX Premier Elite Contractor, which means the manufacturer warranty registers in your name and is actually enforceable.
• A COO who reads storm claims for a living. Randal Williams is a former commercial high-rise field engineer and Xactimate expert with 15+ years in roofing and construction. He has scoped and documented more than $7 million in insurance claim work across Texas, including single commercial claims above $2 million, supporting property managers and building owners through the claims process as the contractor of record.
• Everything in writing, everything photographed. Scope of work before contract, a photo record from inspection through final walkthrough, and a Clean Site Promise™ that keeps your tenants' parking lot clean every morning the crew is there.
• 5,000+ completed Texas projects, an A+ BBB rating with zero unresolved complaints, and a father-and-son ownership team (Preston and Randal Williams) who sign the warranties and answer the phone in year ten.

Roofing has a reputation problem, and it's earned. Too many outfits chase the storm, cut the corners you can't see, and are gone before the leak shows up. We built this company to be the opposite of that, and we back it in writing.

We're honest about where we're not the right fit, too. We're probably not your contractor if you need the lowest bid in the market, if you need work to start within 24 hours with no inspection or documentation, or if you've been quoted a price that doesn't allow the roof to be installed properly. Those are respected decisions. We just can't match them and still stand behind the work.

When you sign a commercial storm contract, you're not hiring a logo. You're hiring a small group of people you'll actually deal with, and one company standing behind them.

• Your inspector. The person who walks the roof, photographs every hit, and writes the scope of loss you'll take to your adjuster. They aren't a commissioned door-knocker, and they don't get paid more if the number goes up.
• Your project manager. One point of contact from assessment through warranty registration. They coordinate the adjuster meeting, schedule the crew, and answer the questions that come from ownership.
• The crew on your roof. Vetted installation teams we deploy and supervise, led by an ARP project manager who inspects the work at each stage. The manufacturer certification and the warranty ride on that supervision, not on hope.
• The Williams family. Preston Williams (President) and Randal Williams (COO), the father and son who own ARP, sign the warranties, and are still reachable when a question comes up three years from now.

Whether you hire ARP or someone else, ask every roofer who bids your storm damage these three. The answers tell you more than any review count.

1. "Show me your written scope of loss before I sign anything." A real storm contractor hands you a documented scope (damage type, square footage, system, flashing detail, code-upgrade triggers, and warranty terms) before any commitment. If all they've got is a verbal promise and a number scribbled from the ground, that's how storm jobs go sideways.

2. "Will you photograph the damage and meet my adjuster on the roof?" The contractor should give you a photo record from inspection through final inspection and be willing to walk the roof with your adjuster. A roofer who can't show you how they document the work is telling you how the claim will actually go.

3. "What manufacturer certification do you hold, and does the warranty register in my name?" Commercial membrane and coating warranties require the contractor to hold a current manufacturer certification and to register coverage in the building owner's name. Ask which certification level they hold and what warranty term it unlocks. If the answer is vague, the warranty probably isn't real.

Storm exposure isn't the same across the Texas markets we serve, and neither is the claim that follows. ARP documents and repairs commercial storm damage in all of them, with local people who know what your building's carrier looks for.

• San Antonio: our San Antonio team works the Bexar County hail corridor, where spring supercells are the dominant commercial loss driver.
• Austin: our Austin estimators cover the I-35 metro, where hail and straight-line wind hit flat-roofed retail, office, and industrial buildings hardest.
• Texas Hill Country: our headquarters is in Boerne, in the heart of the Texas Hill Country, so a project manager is locally based across Kendall, Kerr, Comal, Blanco, and Gillespie counties when a storm rolls through.
• Victoria and the Gulf Coast: our Victoria project manager covers the Crossroads and the coastal TWIA counties of Calhoun and Refugio, where windstorm exposure and TDI WPI-8 requirements shape both the damage and the rebuild.

Wherever your building sits, the process is the same: document the loss before you file, meet the adjuster on the roof, and repair to the approved scope.

• Texas Insurance Code § 707.002: the insured must pay the deductible (cited in the deductible section and FAQ).
• Texas Business & Commerce Code § 27.02: criminal offense to advertise, pay, rebate, or waive a deductible; bolded-warning disclosure required on repair contracts of $1,000+.
• Texas Insurance Code § 707.004: carrier may request reasonable proof of deductible payment before releasing recoverable depreciation.

Standards:

• UL 2218: the impact-classification standard behind hail-damage assessment on roofing systems.

Manufacturer Certifications:

• GAF GoldElite Commercial Contractor (umbrella cert for GAF EverGuard single-ply)
• Elevate Red Shield Licensed Contractor
• UNIFLEX Premier Elite Contractor

Industry Membership:

• BBB A+ Member
• CTRCA (Central Texas Roofing Contractors Association) Member