Guide · Roofing in Texas
Roofing marketing after a Texas hail storm: what's allowed, what works and when to start
In NICB studies, Texas had more hail claims than any other state. Here is how to get ready before the season, what to do in the days after a storm, and the Texas rules every roofer's ads must follow.
The short answer
Get ready before the storm: have your ads, landing page and follow-up plan set by the end of February, because most hail claims come between March and June. After a storm, show your real work and reply fast. And stay inside Texas law: never offer to waive or rebate a deductible, and never act or advertise as the homeowner's adjuster.
Two rules that can't be broken
- No "we'll cover your deductible" offers. Texas makes offering to waive, rebate or absorb it illegal.
- No "we handle your claim" promises. A roofer doing the work can't act or advertise as the public adjuster.
Want your storm plan reviewed before spring?
Free Growth DiagnosisHow much hail does Texas get, and where?
More than any other state. The National Insurance Crime Bureau (NICB) counted 637,977 hail loss claims in Texas from 2017 to 2019, which was 23% of all US hail claims.
A 2019 RoofersCoffeeShop report on NICB's 2016–2018 data found San Antonio had the most hail claims of any US city, and Plano was fifth. Hail moves around from year to year, so plan for the whole state, not one city. See our Texas roofing and remodeling marketing page for how we work across Dallas–Fort Worth, Houston, San Antonio and Austin.
When should roofers start hail season marketing in Texas?
Before the first big storm, not after it. Across the US, most hail loss claims come in spring and early summer:
So the work starts in winter: by February, have your ads approved and paused, a landing page with your real storm jobs, tracking that shows which ads bring signed jobs, and a follow-up plan your team knows. When hail hits, you switch on, instead of building everything in a rush.
These are national numbers. Texas storms can come earlier or later. Watch local storm reports for your service area and adjust.
What does Texas law allow roofers to say and do after a storm?
The Texas Department of Insurance (TDI) is clear on two points that affect your marketing:
✕Not allowed
- Offering to waive, rebate or absorb the homeowner's deductible (TDI's 2019 notice says violators can face a fine of up to $2,000 and up to six months in jail).
- Acting as the public adjuster on a claim for a home you work on, or advertising that you will.
- Offering to negotiate the claim settlement or file the claim for the homeowner.
- Promising to recover "every dime you are owed" from the insurer.
- Telling the insurer you represent the homeowner on coverage questions.
✓Allowed
- Giving the homeowner a written estimate for the work.
- Discussing your estimate and other technical information with the insurer or its adjuster.
- Showing real photos of your work, your process and your warranty.
- Telling homeowners they can hire a licensed public adjuster if they want one.
- Including the required notice in contracts of $1,000 or more involving an insurance settlement: the homeowner must pay the deductible.
Based on TDI's "Roofing and insurance: Know the law" (updated March 2025) and TDI consumer guidance; laws cited there include Business and Commerce Code 27.02 and Insurance Code 4102.163. General information, not legal advice. Check your ads and contracts with a Texas lawyer.
How should storm ads be worded in Texas?
TDI says websites and ads must not say or imply that you will act as both the contractor and the adjuster. Here are some risky lines, and safer ways to say what you really offer:
We'll cover your deductible.
Free roof inspection and a written estimate after the storm.
We handle your insurance claim from start to finish.
We document the damage with photos and give you a detailed written estimate.
We'll get you every dime the insurance owes you.
See roofs we replaced after hail storms in your area.
Examples to show the idea, not legal advice. Your own ads should match what you really do, and your lawyer should check them.
In our view, real job photos and short videos can help storm ads, because homeowners can see the work. Our ad videos and images service turns your own job-site clips into ready-to-run ads.
What should roofers do in the first 30 days after a hail storm?
- Before season
Get ready
Ads approved and paused, storm landing page, tracking, follow-up plan, team trained.
- Storm day
Switch on
Turn on ads for the hit areas only. Budget follows real damage reports, not the whole state.
- Days 1–3
Reply fast
Instant first reply (texts only with consent). Your team calls within minutes and books the inspections.
- Weeks 1–4
Follow up
Every lead on a follow-up list. Estimates followed up until the homeowner says yes or no.
- After
Measure
Cost per signed job by area and ad. Keep what signed jobs, cut what didn't.
In our view, fast replies matter even more after a storm, when many roofers want the same homeowners. Our guide on speed to lead for roofers and remodelers has a 14-day follow-up plan and text scripts.
Is your roofing company storm-ready? A 10-point checklist
Storm-ready checklist
Tick what you already have. Nothing is saved or sent. 0 of 10 ready
Texas hail storm roofing marketing: common questions
Can a Texas roofer pay or waive the homeowner's deductible?+
No. The Texas Department of Insurance says it is illegal for a contractor to offer to waive, rebate or absorb a property policyholder's deductible, and contracts of $1,000 or more involving an insurance settlement must include a notice that the homeowner must pay it. This is general information, not legal advice.
Can a roofer help with the homeowner's insurance claim in Texas?+
Within limits. A roofer can give a written estimate and discuss it and other technical details with the insurer or its adjuster. But a roofer doing the work can't act as the public adjuster, negotiate the claim for the homeowner, or advertise that they will.
When is hail season in Texas?+
Most hail damage happens in spring and early summer. Across the US, NICB data for 2017 to 2019 show most hail claims between March and June, with May the highest month. Texas storms can come earlier or later, so have your marketing ready by the end of February.
Should roofers run ads before a hail storm hits?+
Prepare them before, then switch them on when storms hit your area. Have ads approved, a storm landing page with your real work, tracking and a follow-up plan ready by the end of February. Then you can start within hours of a storm, in the areas that were really hit.
Written by the Digital Hark team. We build ads, landing pages, tracking and follow-up systems for US roofers and remodelers, with Texas as our first market. Research numbers come from the public sources below. Plans, checklists and ad wording are our own suggestions and are labeled as such.
Sources
- Texas Department of Insurance, "Roofing and insurance: Know the law" (updated March 2025) · tdi.texas.gov
- Texas Department of Insurance, "New state law cracks down on roof scams" (August 2019) · tdi.texas.gov
- Texas Department of Insurance, Commissioner's Bulletin B-0008-24 (July 2024) · tdi.texas.gov
- NICB, "2017–2019 United States Hail Loss Claims" (April 2020) · nicb.org
- RoofersCoffeeShop, "Three-year study IDs top 5 states for hail losses" (NICB 2016–2018 data, September 2019) · rooferscoffeeshop.com
- Claims Journal, State Farm hail claims report (April 2026) · claimsjournal.com
