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Dallas–Fort Worth homeowner resources

Dallas–Fort Worth Storm & Hail Help

North Texas sees frequent hail and severe thunderstorms. Organize your damage records, find the building department that actually covers your address, and compare written estimates before committing to work. Our information and request form are free; contractor availability varies.

Request help in DallasSolicitar ayuda en español

Build a DFW hail and storm repair file

Hail, straight-line winds and the occasional tornado can damage roofs, siding, fencing and outdoor HVAC equipment across the metroplex. Separate what you observe so you can explain the work needed without treating every item as the same insurance claim.

  • Record the storm date and when you first noticed each problem. Photograph only from safe locations.
  • Keep insurer correspondence and receipts, and ask about temporary protection before permanent work.
  • Compare written estimates by roof area, materials, removal, damaged decking, cleanup and warranty. Ask how additional work will be approved.

TDI: storm recovery, repairs and claim records

Find the right permit office for your address

The DFW metroplex spans many cities and counties, and each has its own building department. Start from the property address, not just a Dallas mailing address, and confirm which office issues permits and inspections for your exact repair scope.

If the property is in a suburb (for example Plano, Frisco, Arlington or Irving) or in an unincorporated county area, use that jurisdiction's building department instead of the City of Dallas.

Verify the roofer without a fictional license requirement

Texas has no state-issued roofing license. The RCAT consumer guide explains its voluntary credential. Verify current insurance and recent references, ask who will actually do the work, and get payment and warranty terms in writing. A directory listing or a voluntary credential is not a guarantee of workmanship.

Insurance basics for hail and wind claims

Coverage depends on your specific policy and the cause of the damage. A few things worth checking before you file:

  • Whether you have a separate wind/hail deductible and how it is calculated.
  • Whether your policy pays actual cash value (ACV, after depreciation) or replacement cost value (RCV).
  • Whether the policy includes a cosmetic-damage exclusion that could limit payment for dents that do not affect function.

TDI: Texas homeowners insurance guide. Rising water from flooding is generally a separate flood policy, not standard homeowners coverage.

Prepare your request

Tell us your city and ZIP code, the type of repair, and whether you need roofing, HVAC or general guidance. Keep policy documents and sensitive records for the insurer or professional who needs them. This form is not an emergency dispatch service.

Dallas–Fort Worth homeowner questions

Does a Dallas–Fort Worth roofer need a TDLR roofing license?
Texas does not issue a state roofing license, and TDLR does not license roofers. RCAT offers a voluntary contractor credential — it is not a state license and does not guarantee workmanship. Check the company's insurance, written scope and warranty, and recent local references, and ask the responsible building department what applies to your address.
Which permit office covers my repair in the DFW area?
It depends on the property address, not the mailing city. Work inside Dallas city limits is handled by the City of Dallas; suburbs such as Plano, Frisco, Arlington and Irving each run their own building departments, and unincorporated areas fall under the county. Confirm the correct office and inspection requirements for your exact scope before work begins, and put permit responsibility in the written estimate.
How should I document hail versus wind damage?
Keep dated photographs taken only from safe locations, and note when you first saw each problem. Separate roof, siding and fencing damage from any water that entered the home and from outdoor HVAC damage, so you can describe each part accurately. Tell your insurer what you observed without guessing the cause, and ask which policy and deductible apply to each item.
Is there a separate wind and hail deductible?
Many Texas homeowners policies apply a separate wind and hail deductible, often calculated as a percentage of the insured value rather than a flat amount. The exact figure and how it is applied vary by policy, so review your declarations page and ask your agent. TDI's consumer guides explain how deductibles and coverage work.
Can I request help in the DFW area, and in Spanish?
Yes. Include your city, ZIP code and the type of work in your request. You can use the Spanish request form or select Spanish in the English form. Contractor matching depends on availability and the work needed; submitting a request does not guarantee an appointment or an emergency response.

Plan your Dallas–Fort Worth repair request

Share the type of help you need. Matching depends on the work and available contractors; no appointment is guaranteed.

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