DFW Hail Impact Report — JRH Construction

How the JRH Hail Impact Report works

1. 1. NOAA + IEM ingestion. Our storm atlas cron pulls hail polygons every 15 minutes from the NOAA Storm Events Database, the Iowa Environmental Mesonet (IEM) MRMS MESH product, and NWS Storm-Based Warnings.
2. 2. Geocoding. Your address is resolved via the U.S. Census Geocoder (free, no API key, no third-party tracking).
3. 3. Spatial query. We query every hail polygon within ~5 miles of your property over your selected lookback window (2 years default).
4. 4. Texas filing window. Under Texas Insurance Code 542A, you have 1 year from the date of damage to file a claim. We surface the deadline + days remaining for every event.
5. 5. Damage score. Composite hail + wind + tornado risk based on event proximity, frequency, and severity. verdict: high / medium / low / none.

What hail size triggers a real insurance claim?

0.75" (penny-sized) is the typical insurance threshold for a roof claim in Texas. Hail at 1.0" (quarter-sized) typically causes visible bruising on asphalt shingles. Hail at 1.75" (golf-ball-sized) or larger is almost always a full-replacement claim. The Texas 25% Rule says if more than 25% of a roof slope is damaged, the entire slope must be replaced.

Why JRH’s tool beats “just call State Farm”

Insurance carriers don’t volunteer your hail history. Your adjuster pulls a single location-specific report when you file the claim, and they’re trained to under-estimate. Our tool surfaces every event in your area so you walk into the adjuster meeting with the evidence already in hand. Result: most JRH clients pay only their deductible, and we re-submit Xactimate-grade documentation that recovers $4–$12K of supplements competitors miss.