Amarillo Homeowners: Storm Season Checklist for Protecting Your Property

Texas Storm Season Update: What Amarillo Homeowners Need to Know This Week

Are you worried about your home's roof in this week's severe weather forecast? If so, you're right to be concerned. Texas storm season has already brought heavy hail and strong winds to the Amarillo area, causing significant damage to roofs.

What you're actually dealing with (and why Texas makes it harder)

Texas' unique combination of severe weather patterns, including thunderstorms and tornadoes, can cause widespread damage to homes. Unlike other states, Texas has a high frequency of hail storms, which can leave homeowners facing costly repairs.

According to recent data from the National Oceanic and Atmospheric Administration (NOAA), Amarillo experienced an average of 12 hail days per year between 2010 and 2022. This is significantly higher than the national average, making Texas storm season particularly challenging for homeowners in this region.

The numbers: what to expect in Amarillo

Roofing contractors in the Amarillo area charged $380-560 per square foot for architectural shingle replacement in 2025 – a 22% increase from 2022 driven by material costs and demand after back-to-back hail seasons. This means that if your roof is damaged, you can expect to pay upwards of $7,000 for repairs.

The high cost of roofing materials and labor is driving these numbers up, but homeowners can push back on contractors who charge more than necessary. Be sure to get multiple quotes and research the market rate for repairs in your area before committing to a contractor.

How to verify who you're working with

• Texas issues no state roofing license, so a TDLR lookup will not show one for a roofer — check instead for proof of general liability insurance, a local address, and BBB history before you hire.
• Check the Texas Department of Insurance (TDI) website at tdi.texas.gov to see if any complaints have been filed against them.
• Look up the contractor's membership status with the National Roofing Contractors Association (NRCA) or Haag Engineering, reputable organizations that promote industry standards and best practices.

Your Texas rights if things go wrong

If you're not satisfied with your insurance company's settlement offer, you have several options available to you. First, review the appraisal clause in your policy, which allows for a neutral umpire to settle disputes over claim amounts without going to court.

You can also request a re-inspection of your property with your own contractor present to ensure that damage is accurately assessed. If needed, hire a licensed public adjuster to represent you in negotiations with your insurance company.

Finally, if you feel that your insurance company has acted unfairly or in bad faith, file a complaint with the Texas Department of Insurance at 800-252-3439 or tdi.texas.gov.

By taking these steps and being prepared for the worst, Amarillo homeowners can minimize their financial losses during this week's severe weather event. While storm damage can be unpredictable, having a clear understanding of your rights and responsibilities will help you navigate the claims process with confidence.