North Texas is hail country
Texas has led the U.S. in major hail events for 11 straight years, with 902 in 2025. In April 2026, the National Weather Service in Fort Worth reported teacup-size hail in northeast Dallas, Rockwall and Hunt counties, and softball-size hail elsewhere in North Texas.
What hail does to a chimney
| Part | Typical damage | What happens next |
|---|---|---|
| Chase cover | Dents that turn a flat top into puddles | Standing water, rust, leaks into the chase framing |
| Chimney cap | Crushed or bent mesh and lid | Rain and animals get into the flue |
| Crown | Chips and new cracks | Water reaches the brick and flue, freeze damage the next winter |
| Flashing | Dents and lifted edges | Leaks at the roofline |
| Flue termination (prefab) | Dented or cracked termination cap | Poor draft, water in the firebox |
Documenting a claim
The Texas Department of Insurance says hail is generally covered under a policy's wind and hail coverage, and advises filing quickly, photographing damage and making temporary repairs to prevent more damage. Here's what we provide after a storm check:
- Dated photos of each damaged part, close up and in context
- A written description of the damage and what it affects
- A written repair estimate you can share with your adjuster
- Temporary protection, like a cap or tarp, if water is getting in
Watch out for storm chasers
After big storms, out-of-town crews knock on doors across DFW. Ask for a local phone number and an address you can verify, get every price in writing, and don't sign over your insurance claim to anyone.
Questions about hail damage
How soon after a hailstorm should I get the chimney checked?
As soon as you can. Damage that lets water in gets worse with every rain, and Texas Department of Insurance advises filing claims quickly. Your policy sets the exact deadlines.
Will my roofer check the chimney?
Some do, many don't. Roof adjusters often focus on shingles. Ask specifically about the chase cover, cap and crown, or have us inspect them.
What's a typical wind and hail deductible in North Texas?
Many North Texas policies now carry a percentage deductible for wind and hail, often 2% of the home's insured value. Check your declarations page.