Deliverable 01 · Photo set
Photographs of every defect
Close enough to see the damage, wide enough to show where it sits on your roof.
Kerrville, Texas
Kerrville Storm Damage Roofing
After hail or a windstorm in Kerr County, a roof that looks fine from the ground can still be failing. ARP inspects, photo-documents the damage into a condition report your carrier can act on, and gives you a straight read on the claim. Texas law is clear: a contractor cannot waive your deductible, and you must pay it. 5,000+ completed Texas projects.
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Accountability
After the Storm
Hail and Wind Damage in Kerrville — What to Do First
Right after a hailstorm or straight-line wind, the instinct is to get someone up there fast. As your Kerrville roofing company, we ask you to slow down for one step first, because it protects your claim: get the damage documented before anyone touches it. Hail bruising, lifted shingles, and cracked seals often do not read from the ground, and a roof that looks fine can still be leaking behind the felt.
Here is the order that works in your favor:
- Photograph what you can see from the ground.
- Note the date of the storm.
- Then book a professional inspection so the damage is measured and photographed the way your carrier needs to see it — before you file, not after.
ARP hands you a written condition report you can put in front of your insurer, and a straight read on whether you are looking at a repair or a full replacement.
Insurance adjusters are good at their job — which is managing what the insurance company pays out. We're good at ours — which is finding every bit of legitimate damage and documenting it so nothing gets missed… That documentation is yours. It belongs to you.
Randal Williams · COO, ARP Roofing & Remodeling
Your Claim
How Roof Insurance Claims Work in Kerrville
A roof claim is simpler than it feels once the damage is documented. You file with your carrier, they send an adjuster, and the roof is scoped for what the storm actually caused. Our job is to make sure that scope reflects every bit of legitimate damage — with photos and measurements the adjuster can verify — so nothing gets left off the estimate. ARP is the contractor of record documenting the damage; we do not act as your adjuster or file the claim for you.
Now the honest part, because it is the part that protects you: no legitimate roofer can pay, waive, or "take care of" your deductible. Waiving a deductible is a criminal offense in Texas under Business & Commerce Code § 27.02, and under Texas Insurance Code § 707.002 the insured is required to pay it. Any contractor who knocks on your door after a Kerr County storm offering to make your deductible disappear is telling you exactly what kind of company they are — walk away. See how we document a claim from first inspection to final scope on our storm damage repair guide.
Installed Cost
What Storm Repair and Replacement Cost in Kerrville
Most storm roof repairs in Kerrville are flat-priced jobs, not per-square-foot work. A typical minor hail or wind repair runs about $400 to $1,200 — sealing or replacing damaged shingles, flashing, and boot penetrations — priced August 2026. If the storm totals the roof, it becomes a full replacement and insurance often covers most of it.
That $400 to $1,200 flat band covers the common storm repair: replacing lifted or cracked shingles, resealing penetrations, and correcting the flashing the wind pulled loose. The real number depends on how much of the roof the storm actually touched, so the exact figure comes from the inspection, not a phone estimate — book your inspection for a firm scope.
When the damage runs deeper than a repair, the roof becomes a replacement, and that is a different conversation — see the installed ranges on our Kerrville roof replacement page. Two insurance notes worth knowing. The first is how your policy type changes what you collect:
| Policy type | What it pays |
|---|---|
| Replacement-cost (RCV) | The full cost minus your deductible |
| Actual-cash-value (ACV) | That amount minus depreciation, so you carry more of the number |
The second: if you are replacing after a claim, upgrading to Class 4 impact-rated shingle can earn a premium credit from many Texas carriers going forward — we walk through that on our Kerrville shingle roofing page.
Storm & Insurance
Get Your Free Kerrville Storm Damage Inspection
After a Kerr County storm, the first step is the same every time: a free, photo-documented inspection and a written condition report you can put in front of your carrier.
Schedule your free Kerrville storm inspection · 📞 (830) 293-4621
Get your Kerrville storm assessment
What storm damage costs in Kerrville
When a hail or wind storm damages your roof, your insurance carrier covers repair or replacement of the storm damage. In most cases your out-of-pocket cost is your deductible, plus any upgrades you choose and any damage your carrier won't cover — and we work with your carrier to supplement the scope so covered damage isn't left out. Here's how the money actually works.
What you'll actually pay
For most homeowners on a covered claim, your out-of-pocket cost is your deductible — plus any upgrades you choose and any damage your carrier doesn't cover. We work with you and your carrier to supplement the claim scope, so the covered storm damage needed to restore your roof to pre-storm condition is actually in that scope.
We document and supplement the scope
ARP's Xactimate-trained team photographs and measures the damage the way your adjuster reads it, and works with your carrier to supplement the scope so covered items aren't left out. We help document and justify the scope — we don't act as your public adjuster or negotiate your settlement for you.
Book your free Kerrville storm assessment
A photo-documented hail and wind damage report, in the format your carrier needs.
Request in — we'll text to confirm
Need it sooner? Call or text (830) 293-4621.
Making it affordable
Financing your insurance deductible
A storm claim covers the roof, but your portion — your deductible, plus any upgrades you choose — still lands as an out-of-pocket bill, often right when you're already dealing with the damage.
That's why we offer financing on your portion: if you qualify, you can spread that out-of-pocket cost into manageable monthly payments and get your roof restored now instead of waiting out another hail season under a failing one.
See our deductible financing options →Honest fit check
Is ARP the right fit for your Kerrville project?
The best way to judge any Kerrville contractor — us or anyone else — is to ask for a written scope, ask who your single point of contact is, and ask when the manufacturer warranty gets registered in your name. If a roofer can't answer those three plainly, that's your answer.
Yes — we're a match
A good fit if you
- Want a roofer your Kerrville neighbors have actually used — not a pop-up tent after the last hailstorm.
- Want everything documented and in writing, with photos, before any crew gets on the roof.
- Plan to stay in your Kerrville home or hold the property long term.
- Had recent hail or wind damage and want it documented correctly for your carrier.
No — we'll say so up front
Not the right fit if you
- Need a commercial job below our minimum repair scope, or a firm residential repair price over the phone — we quote every repair after an on-roof inspection.
- Need someone to start tomorrow with no inspection.
- Are choosing purely on the lowest bid, without reading the scope underneath it.
- Want a contractor to pay, waive or "take care of" your deductible — a criminal offense in Texas under Business & Commerce Code § 27.02.
We'd rather tell you that on the phone than waste a walkthrough.
No cost, no obligation
Your free Kerrville hail & storm damage inspection
A free Kerrville storm inspection costs nothing and comes with no obligation. A project manager documents the hail and wind damage the way your carrier needs to see it — photographed, sized, and tied to the storm — and leaves you the full set whether you file or not.
On a Kerrville home we check the south and west slopes first, because that's where the hail lands hardest and where bruised mats and granule loss show up a season before a ceiling stain does.
We're not your adjuster and we don't negotiate your claim — but you get honest documentation and a written scope, so you know what the damage actually is before anyone talks settlement.
From assessment to warranty
1
Free Storm Shield Assessment
We measure your roof, photograph it, and document what's actually there — not a curbside guess. You get the photo set whether you hire us or not.
2
Written Scope Before Any Work
You'll see line-item scope, materials, warranty options, and a real number in writing. Nothing starts until you've read it.
3
Install and Warranty Registration
A crew led by an ARP project manager does the work, pulls the Kerrville permit, and inspects at the key stages — then your manufacturer warranty registers in your name within 30 days.
No fee, no deposit, no pressure. We confirm your address is covered before we schedule — then a project manager walks the roof.
Questions that decide the job
Kerrville roofing — frequently asked questions
Does ARP handle storm and hail insurance claims in Kerrville?
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Yes. We inspect and photo-document the damage into a written condition report your carrier can act on, and give you a straight read on the claim before you file. We are the contractor of record documenting the damage — not your adjuster. If the roof is totaled, we scope the Kerrville roof replacement from the same inspection.
Can a contractor waive my deductible in Kerrville, Texas?
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No. Waiving a homeowner's insurance deductible is illegal in Texas under Business & Commerce Code § 27.02, and under Insurance Code § 707.002 you are required to pay it. Anyone who offers to waive, absorb, or "eat" your deductible is breaking the law — that alone tells you what kind of company they are.
Should I file a claim for my Kerrville hail damage?
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It depends on the damage measured against your deductible. We document the roof first so you decide with facts, not pressure — if the repair is smaller than your deductible, filing may not help you, and we will say so plainly before you commit.
What does a storm roof repair cost in Kerrville?
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Minor storm repairs in Kerrville typically run about $400 to $1,200 as a flat job, priced August 2026. If the storm totals the roof, it becomes a full replacement — see our Kerrville roof replacement page — and insurance often covers most of the cost.
How fast can ARP inspect storm damage in Kerrville?
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We move quickly after a storm and prioritize documenting the damage before it worsens. Call us and we will get an inspection and a written condition report scheduled — the phone is the fastest way to lock in a time: (830) 293-4621.
Explore your Kerrville roof
Start where your question is
Every door lands on one written scope — pick the one that fits where you are right now.
01
Kerrville Commercial Roofing
Commercial roofing for Kerrville and Kerr County — TPO, metal, coatings, and repairs, scoped in writing with a documented condition report.
See Kerrville Commercial Roofing →02
Kerrville Seamless Gutters
Seamless aluminum gutters for Kerrville and Kerr County — formed on your driveway to your fascia's exact run, hung for a Texas downpour and priced by the foot.
See Kerrville Seamless Gutters →03
Kerrville Metal Roofing
Standing-seam and metal roofing for Kerrville and Kerr County — panels roll-formed on site, installed under a dedicated metal foreman, with a written scope.
See Kerrville Metal Roofing →04
Shingle Roofing in Texas
The most common Texas roof, and how to buy one that lasts.
See Shingle Roofing in Texas →05
Kerrville Roof Repair
Roof leak and storm repair in Kerrville and across Kerr County — flat-priced jobs, a photo-documented diagnosis, and a written scope before any work starts.
See Kerrville Roof Repair →06
Kerrville Roof Replacement
What a roof replacement costs in Kerrville and across Kerr County — architectural shingle, Class 4 impact-rated, and metal ranges, with a written scope.
See Kerrville Roof Replacement →Book your free Kerrville roof assessment
Photo-documented, with a written condition report in hand — whether or not you hire us.
Sources & References
- Texas Department of Insurance — a contractor cannot waive your deductible. Deductible guidance
- Texas Department of Insurance — storm claim recovery tips. Recovery tips