Austin, TX — June 2025 — In a climate where billion-dollar storms are no longer rare but expected, roofing experts in Central Texas are sounding the alarm: neglected roofs are silently destroying the financial futures of Austin families.
According to a new report titled The Shield Under Siege, the frequency of billion-dollar weather events in Texas has more than tripled over the past five years—jumping from an annual average of 4.2 to 13.6. With Central Texas sitting at the crossroads of “Hail Alley” and “Flash Flood Alley,” homeowners in the Austin metro area are among the hardest hit. But the cost isn't just structural—it’s deeply financial.
“Storms aren’t just breaking roofs anymore—they’re breaking the bank,” says Corbin Stephens, co-founder of Texas Roof Damage, an Austin roofing company specializing in insurance claims and storm recovery. “Families are watching their equity erode, one storm at a time. Most don’t realize that a neglected roof is now the fastest way to lose tens of thousands in home value and insurance premiums.”
As experts in Austin roofing, the team at Texas Roof Damage has seen firsthand how the rising intensity of storms is outpacing what many older roofing systems were designed to handle. According to Stephens, it’s not just the storms themselves causing damage—it’s the financial domino effect they trigger for unprepared homeowners.
Recent data from NOAA, FEMA, and the Texas Comptroller confirms the scope of the crisis. Since 1980, Texas has experienced 190 billion-dollar disasters, with 126 of those classified as severe storms. In the past year alone, Austin recorded 134 hail reports and was placed under 44 separate severe weather warnings. Roof replacement costs in the region now range from $8,500 to over $25,000 depending on materials and damage severity. Meanwhile, insurance premiums in Texas rose by 28 percent between 2022 and 2023—the largest increase in the country.
Stephens explains, “We’re in a feedback loop—more storms mean higher insurance premiums, which mean less money for preventive work. That leads to greater damage, which fuels more rate hikes. Homeowners can’t win unless they start playing offense.”
This growing risk is compounded by the city’s rapid development. As new subdivisions replace former pastures and farmlands, storms now impact a greater number of homes, increasing both the number of claims and the overall cost of recovery. At the same time, a shrinking pool of insurers and rising deductibles have forced many homeowners to pay for storm-related repairs out of pocket—repairs that would have been covered under older insurance policies. This financial vulnerability is made worse by an increase in post-storm contractor fraud. In 2024 alone, Texans reported over $200,000 in losses tied to home repair scams following hail events. Many were left with incomplete work, voided warranties, or no recourse at all.
The report encourages homeowners to treat their roof not as a cosmetic expense, but as a long-term investment. Upgrading to Class IV impact-resistant shingles can help reduce future insurance premiums, while getting a professional inspection before storm season may uncover hidden vulnerabilities. According to roofing industry research, trained inspectors identify up to 30 percent more damage than homeowners themselves—often making the difference in whether an insurance claim is approved.
Even the state is taking action. The Texas General Land Office has allocated $100 million to its Resilient Communities Program, aimed at encouraging stronger building codes and greater resilience across local infrastructure. Roofing professionals play a key role in this initiative, with Austin roofers like Texas Roof Damage leading the charge.
Stephens emphasizes that timing is everything. Homeowners should act now by getting a professional roof inspection before peak storm season begins. They should ensure their contractor is certified and has experience working with insurance claims. Importantly, they should avoid anyone offering to waive or rebate their deductible—an illegal practice under Texas law. See Full Interactive Report.
Texas Roof Damage is a storm restoration roofing company based in Austin, TX. The firm serves Central Texas communities with fast, insurance-backed roof replacements and honest, upfront pricing. Led by roofing experts Corbin and Paul Stephens, the company is known for its high-integrity inspections, detailed documentation, and commitment to helping families protect their homes and financial futures from a rapidly changing climate.
Media Contact:
Corbin Stephens
Email: corbin@texasroofdamage.com
Phone: (512) 722-7699
Texas Roof Damage
Austin, TX
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For more information about Texas Roof Damage, contact the company here:
Texas Roof Damage
Corbin Stephens
5127227699
office@texasroofdamage.com
701 Tillery St
STE 12, A179
