Hail Damage Claim Lawyer
Homeowners in Texas deserve legal advocates who understand the stress, damage, and unfair treatment that often follow a severe hailstorm.
At Callender Bowlin, Mark Callender and Josh Bowlin dedicate their practice to standing up for residential property owners whose hail damage claims have been denied, delayed, or underpaid. As Texas hail damage claim attorneys, they know how insurance companies often push vulnerable homeowners into accepting far less than they’re owed. Their mission is to make sure that doesn’t happen to you.
We also understand the importance of bilingual representation in Texas. That’s why our attorneys offer Spanish-language support and are committed to serving diverse neighborhoods like Gulfton, Sharpstown, and Northside, where language barriers and economic pressures often make it harder for families to assert their rights after a storm.
If you’re unsure whether your claim qualifies or feel overwhelmed by the process, we’re here to help. Our consultations are always free, and if we take your case, you pay nothing unless we win.
What Should You Do Immediately After Hail Damages Your Home in Texas?
Taking the right steps after a hailstorm can make or break your insurance claim.
Many homeowners unknowingly weaken their case by cleaning up too quickly or trusting the insurance company to handle everything fairly. The Texas hail damage claim attorneys at Callender Bowlin recommend a simple but vital checklist that protects both your property and your legal rights from the very beginning.
Document every inch of the damage.
Use your phone or camera to take clear photos and video of your roof, gutters, windows, and exterior siding. Include wide-angle shots and close-ups. Be sure to photograph any hailstones that remain on the ground to help verify the size and severity of the storm.
Don’t rush to clean up or make repairs.
It’s natural to want to remove debris or patch up leaks, but doing so before a formal inspection can jeopardize your ability to prove your losses. If safety allows, leave everything as-is until your home is evaluated by a qualified professional; ideally one not affiliated with your insurer.
Keep track of every conversation and document.
Log the date and time of all calls or visits with your insurance company, adjusters, or contractors. Save texts, emails, and any letters. These records can become key evidence if your claim is delayed or denied.
Call an attorney before giving a recorded statement.
Insurers often ask homeowners to give a recorded statement early in the process. What you say (or don’t say) can be used against you. Our attorneys will guide you through this so you don’t unintentionally harm your case.
The sooner you involve legal help, the stronger your claim becomes.
We’ve seen too many cases where homeowners accepted the first offer or waited too long to dispute an underpayment. Acting quickly gives you leverage and preserves your rights under Texas law.
What Types of Hail Damage Are Typically Covered in a Residential Claim?
Most standard homeowners insurance policies cover a wide range of hail-related damage — but only if it’s properly documented and aggressively pursued.
Many Texas homeowners don’t realize the full scope of what their policy should cover. That’s why the hail damage claim attorneys at Callender Bowlin help clients identify not only the obvious damage, but also hidden or secondary issues that insurers often overlook.
Roof damage is the most common and most disputed.
Hail can dent, crack, or loosen shingles, dislodge flashing, and puncture waterproof membranes. Even if the roof doesn’t leak immediately, undetected damage can lead to future leaks, mold, and structural weakening.
Exterior siding, gutters, and fencing are also vulnerable.
Vinyl or aluminum siding can be cracked or chipped. Hail dents gutters and downspouts, which can cause improper drainage. Fences, especially wooden ones, are often damaged but underreported in claims.
HVAC units and skylights take a direct hit.
Outdoor AC condensers and rooftop skylights are especially exposed. Hail can shatter glass, bend metal grates, and compromise cooling performance — yet insurers often exclude these from estimates without pushback.
Windows and screens can crack or tear.
Even small hailstones can shatter or spider a windowpane, and most policies cover this damage if it occurred during a documented storm.
Water intrusion and mold are indirect, but critical.
When hail opens a path for water — through damaged shingles or flashing — the resulting interior damage should be covered. That includes insulation, ceiling stains, mold remediation, and in some cases, flooring replacement.
Our attorneys work with independent inspectors to document each of these damage types and ensure that your claim reflects everything the storm affected — not just what the insurer was willing to acknowledge.
How Long Do You Have to File a Hail Damage Insurance Claim in Texas?
Texas law gives homeowners a limited window to take legal action after a hailstorm damages their home.
The deadline to file a claim or dispute a denial depends on both your insurance policy and state law, which is why the hail damage claim attorneys at Callender Bowlin recommend acting quickly.
Most homeowners have two years from the date of loss to file a lawsuit.
Under the standard statute of limitations, Texas allows you two years from the date of the hailstorm — or from the date your insurer wrongfully denied or underpaid your claim — to pursue legal action. If you wait longer, your case may be barred completely, regardless of how strong your evidence is.
But policy-specific deadlines can be shorter.
Some insurance policies contain contractual deadlines that require you to notify the company of damage within 30 days or file suit within one year. These internal deadlines can override the general state law, so it’s important to have your policy reviewed right away.
Delays hurt more than your legal rights.
Aside from missing deadlines, waiting too long to act can lead to deteriorating evidence — like roof damage worsening, mold developing, or hail impact marks fading. The longer you wait, the harder it is to prove the storm caused the damage.
If you’re unsure when the clock started on your claim or how long you have left, we can help you calculate the deadlines and take action before it’s too late.
Can a Lawyer Really Help Me Get More From My Insurance Company?
Yes — involving an attorney often leads to faster results and higher payouts for hail damage claims.
Many Texas homeowners think they have to accept whatever the insurance company offers. But the hail damage claim attorneys at Callender Bowlin routinely help clients recover far more than the initial offer — and sometimes significantly more than what they thought was possible.
We uncover the full value of your losses.
Insurance companies may only cover visible roof damage, ignoring underlying water intrusion, mold, HVAC impact, or gutter system failures. Our attorneys partner with independent inspectors and contractors to assess the real repair costs, not the low estimates provided by your insurer’s adjuster.
We challenge tactics used to underpay claims.
If your claim was denied for “wear and tear,” minimized as “cosmetic,” or delayed without explanation, we investigate whether your insurer violated the Texas Insurance Code. We hold them accountable for bad faith practices, which may entitle you to additional compensation beyond the original claim amount.
A lawyer offers more authority than a public adjuster.
While public adjusters can assess damage and negotiate, they cannot file lawsuits, enforce Texas insurance law, or compel an insurer to act. Only a licensed attorney can litigate if needed — and we’re prepared to take your case to court if that’s what it takes.
Most clients pay nothing unless we win.
We handle hail damage cases on a contingency basis, meaning there are no upfront fees. You owe us nothing unless we recover money on your behalf.
Do You Serve My Texas Neighborhood?
Yes. Our attorneys represent homeowners across Texas and surrounding communities affected by hail damage.
At Callender Bowlin, we know that hail doesn’t hit one ZIP code. It strikes across entire neighborhoods, damaging roofs, windows, and property in every direction. Our attorneys have helped clients in every corner of the city, and we understand the unique challenges that come with each part of Texas.
We serve neighborhoods throughout the greater Texas area, including…
- The Heights and Garden Oaks
- Westchase, Sharpstown, and Alief
- Meyerland, Bellaire, and Braeswood
- Spring Branch, Timbergrove, and Oak Forest
- Gulfton, South Texas, and Acres Homes
- Austin, Round Rock, Cedar Park, Pflugerville, Leander, Georgetown and Kyle, Texas
Why does local knowledge matter?
Because insurance companies keep track of storm paths and ZIP code trends — and so do we. Our attorneys know which adjusters are active in your area, how certain neighborhoods are treated, and what tactics are used to minimize payouts. That gives you an edge when pursuing full compensation.
If your neighborhood was hit and your home was damaged, we’re ready to help no matter where in Texas you live.
¿Necesita un Abogado de Daños por Granizo en Texas?
Sí! Ofrecemos ayuda legal en español para propietarios de viviendas afectados por tormentas de granizo en Texas.
En Callender Bowlin, entendemos que las barreras del idioma no deben impedirle obtener la compensación que merece. Nuestros abogados de daños por granizo trabajan con clientes en comunidades como Gulfton, Sharpstown, Alief y Northside, donde muchas familias enfrentan dificultades para presentar reclamaciones justas ante las aseguradoras.
Le ayudamos con:
- Reclamaciones negadas o pagadas parcialmente por daño de granizo
- Documentación y evaluación independiente de su techo y propiedad
- Traducción y revisión de pólizas de seguro
- Comunicación directa con la aseguradora en su nombre
No cobramos a menos que ganemos su caso.
Usted no paga nada por adelantado. Solo recibimos honorarios si conseguimos una compensación para usted.
Consulta gratuita disponible en español.
Llámenos hoy al (713) 300-8700 para hablar con un abogado que entiende su situación y está listo para ayudarle.
Why Choose Callender Bowlin for Your Hail Damage Claim?
Choosing the right attorney can make the difference between a denied claim and a full recovery.
At Callender Bowlin, our Texas hail damage claim attorneys take on insurance companies that fail to treat homeowners fairly. We focus on real people, real homes, and real solutions — not shortcuts or quick settlements.
We offer personalized attention and local experience.
Our attorneys, Mark Callender and Josh Bowlin, live and work in Texas. We know how insurers operate here, what storm patterns have hit your neighborhood, and how to navigate both your policy and the legal system.
We fight to recover every dollar you’re owed… and more.
From roof and window repairs to hidden water damage and mold, we make sure your claim reflects the full scope of the storm’s impact. When insurers delay, deny, or act in bad faith, we hold them accountable under Texas law.
We don’t just settle, we’re ready to go to trial.
While many firms stop at negotiation, we’re trial attorneys by trade. That means your case never hits a dead end, and the insurance companies know it.
We make the process simple and stress-free.
Consultations are free, and there are no fees unless we win. From start to finish, we manage the claim, fight for your rights, and keep you informed at every step.
Get Help With Your Hail Damage Claim Today, Call Callender Bowlin
If your Texas home was damaged by hail and your insurance company isn’t treating you fairly, you don’t have to face it alone.
Whether your claim was denied, delayed, or underpaid, the residential hail damage attorneys at Callender Bowlin are ready to take action. We’ve helped homeowners across the Texas area stand up to powerful insurance companies — and win.
Your case matters. Your home matters. Let us help.
- 📞 Call now for a free consultation: (713) 300-8700
- 🏢 Visit us at: 4299 San Felipe, Ste. 300, Houston, TX 77027
- 📝 Or fill out our short contact form and we’ll get back to you promptly
We serve The Heights, Westchase, Bellaire, Spring Branch, Meyerland, all of Greater Houston and Austin areas. Spanish-speaking clients are welcome.
Consulta gratuita en español.
Callender Bowlin LLP
4299 San Felipe St # 300
Houston, TX 77027
