Ever Wondered What Else Is Covered in Your Insurance Hail Claim?

For one North Texas family, the answer went far beyond the roof.

After a storm passes, most homeowners look up—toward the roof, toward missing shingles, toward the most obvious damage. But what if the real value of your insurance claim is in the parts of your home you haven’t thought to inspect?

That’s the question one North Texas family unintentionally answered after a hailstorm swept through their neighborhood earlier this year. Like many, they filed a claim with their insurance provider, USAA, expecting to replace a compromised roof. What they didn’t expect was a full transformation of their backyard deck and pergola—also covered under the same claim.

A Broader View of Damage

When Whaley Construction Group arrived to assess the property, the roof damage was evident. But so were the subtler signs that often go unreported: weather-aged stain on the decking, chipped paint along the pergola beams, and signs of accelerated wear that pointed clearly to the storm’s impact.

Rather than viewing the property as a collection of isolated parts, the Whaley team approached it as a unified system—one that had experienced a single, damaging event. That perspective made all the difference.

By documenting and submitting the full scope of storm-related damage, the homeowner’s insurance not only approved the roof replacement, but also paid for the re-staining and repainting of the deck and pergola.

The Hidden Layers of a Storm Claim

It’s a common misconception that homeowner’s insurance covers just the roof in a weather event. In fact, most standard policies also include coverage for:

  • Decks and pergolas
  • Exterior paint and siding
  • Fencing and gates
  • Window screens and trim
  • Gutters and downspouts
  • HVAC units and vents
  • Detached structures (sheds, gazebos)

The key isn’t guessing—it’s documenting. Damage must be connected to the storm event and recorded with detail and clarity. Without that, insurers have little to work from, and coverage is often left untapped.

From Reactive to Restorative

In this case, the claim didn’t just repair what was broken—it renewed what was overlooked. The family’s backyard was left not just functional, but beautiful: deep-stained wood, freshly painted trim, and a pergola that felt entirely new. What began as a standard claim became a comprehensive restoration.

It didn’t require luck—just the right team, asking the right questions.

A New Way to See the Aftermath

In a state like Texas, where weather is unpredictable and hail season is an annual reality, insurance claims are more than just transactions—they’re opportunities. But only if homeowners take the time to look beyond the roofline.

So the next time a storm hits, ask yourself not “Did my roof get damaged?” but “What else might have been affected—and can I prove it?”

Because as this family learned, sometimes the biggest upgrades are hiding in plain sight.

1.5 Million in Homeowner Savings

90% Approval Rating on Claims

100+ Roofs Replaced

Yesenia F.

Garland Tx

Very professional, knowledgeable. Young man at age assisted me but knew his stuff and made it easy for me to understand

Angela L.

Mckinney, Tx

I recently moved back into my childhood home and needed some roofing done. I reached out and ******* did everything I asked and more. I had plenty of questions and he addressed them all being making sure I was knowledgeable and comfortable until the completion of the project!

Ronald M.

Fort Worth, Tx

Whaley Construction Group made the whole roof replacement easy and stress-free. Great communication, fast work, and the roof looks amazing. Highly recommend!

Seen Enough? 

Let’s get eyes on your roof — fast, free, and transparent. 📸 You’ll get a photo report, even if you don’t hire us.

Frequently Asked Questions

Do I have to sign anything just to get an inspection?  
Nope! The inspection’s free — no signatures, no pressure. You get a photo report either way.  
Can you help with the insurance stuff?  
Yes — we deal with insurance every day. We’ll guide you through the whole process and talk to the adjuster for you.
What’s the warranty like?  
We offer a full workmanship warranty, plus whatever comes with your shingle brand — usually 25 to 50 years. 

Licensed & Insured

Everything’s above board: licensed, insured, and built to last — exactly how it should be.

After Photo of roof replacement performed by Whaley Construction Group in Arlington.

Local Crews, No Storm Chasers

No shady vans. No disappearing acts. Just reliable local service.

After photo of roof replacement performed by Whaley Construction Group in Wylie

Insurance Experts

You won’t have to chase your carrier — we’ll guide the claim, meet the adjuster, and explain every step.

Eagle Shot of roof replacement (exposed decking) performed by Whaley Construction Group.

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