Get your free roof inspection

The threshold depends on damage coverage and shingle age. Hail that bruises or cracks granules across more than 30% of the roof almost always justifies replacement — especially if the roof is over 15 years old, because partial repairs then use mismatched material. Our free inspection with drone photos gives you an honest answer: we will tell you if a $600 pipe boot repair is all you need, because that is a customer you keep for life.

For an average 1,800-square-foot Dallas home, an asphalt architectural shingle replacement runs $8,000 to $15,000 installed. Metal standing seam is $15,000 to $30,000 and tile ranges $20,000 to $40,000. Factors include roof pitch (steeper = harder to work), number of penetrations, and whether the decking needs replacement. We provide a free line-item estimate with published material costs before you commit to anything.

Yes, completely. Our claims director Jennifer spent eight years evaluating hail claims for a Texas carrier, so she knows exactly how adjusters measure damage and what supplements are defensible. We document the damage, submit the claim, attend the adjuster inspection, and negotiate the scope. Most Summit customers pay only their deductible on a storm-damaged roof. We recovered over $28 million for customers between 2018 and 2025.

Class 4 is the highest UL 2218 impact-resistance rating — achieved by shingles whose modified polymer or rubberized asphalt backing absorbs a 2-inch steel ball dropped from 20 feet without cracking. Texas carriers typically discount hail coverage 20–30% for homes with Class 4 shingles. On a $1,500/year homeowner policy, that saves $300–$450 annually. The shingle upgrade costs roughly $800–$1,500 more than a standard architectural — it pays for itself in three to four policy years.

Emergency tarping is available around the clock and we deploy within two hours of your call during active storm events. After tarping and a full damage inspection, we typically submit the insurance file within 48 hours. Permanent repairs or replacements are prioritized after claim approval — most go on the calendar within a week and complete in three to five days.

Full asphalt replacements carry a 25-year workmanship warranty. Metal standing seam systems carry 50 years. Material warranties from GAF, Owens Corning, and other manufacturers pass through directly to you and typically run 30 to lifetime. We also include a free one-year re-inspection on every completed roof — we come back and check the flashings and penetrations after the first full Texas summer.

This is the most underestimated factor in North Texas. An under-ventilated attic in Dallas routinely reaches 150–160°F in July — those temperatures cook the shingle backing from underneath, cutting a 30-year shingle warranty to 12–15 years in real service life. They also keep your AC running 10–15% harder all summer. Proper ridge-and-soffit ventilation is the single cheapest investment per shingle-year you can make. We always assess ventilation during inspections and quote corrections separately so you can decide.

Move vehicles under cover if possible and bring in anything that could be further damaged. Inside, place buckets under any active drips and photograph the water intrusion for your insurance file. Do not attempt to climb the roof — wet asphalt shingles are extremely slick. Call Summit — we will tarp the damaged areas the same night, document everything with photos and drone footage, and start your claim file. The key is getting tarps on before the next rain event, which in North Texas is never far away.

Yes. We partner with GreenSky and other Texas lending providers to offer 12-to-84-month terms. Many customers qualify for deferred-interest plans on full replacements. We are transparent about what financing costs — we run the numbers with you during the estimate and never steer you toward financing that does not make financial sense for your situation.

No — and any contractor who offers to is violating Texas Insurance Code Section 707.002, which prohibits waiving, absorbing, or rebating insurance deductibles. We will never make that offer. What we can do is maximize every dollar the insurance company owes you, document every legitimate line item, and negotiate supplements so your net out-of-pocket is exactly what your policy says it should be: your deductible, and nothing more.