July 9, 2025 · 7 min read
Filing a Hail Insurance Claim in Texas: A Step-by-Step Walkthrough
Exactly how to file a hail damage claim with your Texas insurance company — what to say, what to avoid, and how Hail Repair Pro Midland handles the paperwork.
Filing a hail claim in Texas is easier than most people think — but a few small mistakes can cost you thousands. Follow this walkthrough.
Step 1 — Confirm you have comprehensive coverage
Pull up your policy's declarations page. Look for 'Comprehensive' or 'Other Than Collision' — that's the coverage that pays for hail. Liability-only policies do not.
Step 2 — Get a free shop inspection FIRST
Before you call your insurer, bring the vehicle to a trusted local shop (like ours). We'll document every dent so you know what your claim is actually worth.
Step 3 — Call your insurer and file
Be straightforward: 'I have hail damage from the [date] storm and want to file a comprehensive claim.' Don't speculate about cost. Don't accept the first cash settlement offer.
Step 4 — Choose your shop (Texas law protects this)
Texas Insurance Code §1952.301 guarantees your right to choose your repair facility. You are not required to use a 'preferred' or 'direct repair' shop.
Step 5 — Let your shop handle the supplement
Adjusters frequently miss damage on the first inspection. A reputable shop will write a supplement and get it approved before final repair. Hail Repair Pro Midland handles supplements on every claim — at no cost to you.
Common mistakes to avoid
- Cashing the insurance check before getting a shop estimate
- Letting the storm-chaser tents handle your claim
- Waiting more than a year to file (Texas claim windows close)
- Skipping PDR in favor of a full repaint when paint is intact