Is Hail Damage Covered By Insurance In Lubbock, Texas?

Spring and early summer storms regularly roll across the South Plains, bringing high winds, heavy rain, and hail that can range from pea-sized to golf-ball sized (and sometimes larger). After a storm passes, one of the first questions homeowners ask is:

“Is hail damage covered by insurance in Lubbock?”

The short answer is — in most cases, yes. But there are important details every homeowner should understand. In most standard homeowners’ insurance policies, hail damage is covered under dwelling protection.

Typically, insurance will pay for:

• Roof repair

• Full roof replacement (if damage is significant)

• Damaged vents, flashing, and metal components

• Related interior damage from roof leaks

  
  

However, coverage depends on:

• The age and condition of your roof

• Your specific policy type

• Whether you have an Actual Cash Value (ACV) or Replacement Cost Value (RCV) policy

• Your deductible amount

  
  

This is why a professional inspection is critical before filing a claim.

At Kambridge Blake Roofing and Construction, we specialize in storm damage restoration for Lubbock homeowners. We don’t just fix roofs, we walk you through the entire insurance process from start to finish.

Here’s what makes us different:

-   Thorough Storm Inspections

We provide detailed inspections with photo documentation to determine whether your roof qualifies for an insurance claim.

-  We Meet With the Adjuster

We’re present when the insurance adjuster inspects your property to ensure no legitimate damage is overlooked.

-   We Repair or Replace for the Insurance Amount

In approved claims, we complete the roof repair or full replacement for the amount covered by your insurance company.

-    Homeowners Don’t Pay Out of Pocket

In most storm-related claims, homeowners do not pay out of pocket for the roof work beyond what their policy requires. We work directly with the insurance company’s approved scope and pricing so there are no surprise costs.

Our goal is simple: Make the process stress-free and protect your home without adding financial strain.

When Should You Schedule an Inspection?

You should call for an inspection if:

• Your neighborhood recently experienced hail

• You see dents in gutters or metal fixtures

• Your roof is over 5–7 years old

• You notice interior water stains

Even if you’re unsure, a professional inspection gives you peace of mind.

Kambridge Blake Roofing and Construction proudly serves homeowners across Lubbock with honest inspections, expert insurance guidance, and quality roofing systems built to withstand South Plains storms.

Protecting Your Home in Lubbock

Living in Lubbock means enjoying wide-open skies, Friday night football, and beautiful West Texas sunsets, but it also means preparing for severe weather.

If you suspect hail damage, don’t wait. Contact us today for a free inspection and ensure your home is protected against future storms.

If your roof qualifies, we’ll help you restore it the right way... without the stress.