Why San Antonio claims end up in appraisal
San Antonio hail comes from the northwest, which means Stone Oak, Shavano Park, Helotes, Leon Valley and the Medical Center area take the first and hardest hits. The pattern on carrier estimates after a Bexar County hail event is consistent: front and west-facing slopes approved, rear slopes called "no damage" or "mechanical," and collateral items like window screens, gutters, HVAC fins and painted fascia left off entirely. The storm is accepted; the scope is not. Appraisal resolves that gap without a lawsuit.
The February 2021 freeze also hit San Antonio hard. Homes built on pier-and-beam with exposed supply lines, and newer homes with PEX run through unconditioned attics, both burst. Carriers accepted those losses but frequently disputed drying duration, flooring continuity and the cost of opening ceilings to replace lines.
San Antonio housing stock and the scope fights it creates
San Antonio's older neighborhoods, Alamo Heights, Monte Vista, Olmos Park, Monticello Park and the King William district, carry clay-tile, slate and standing-seam metal roofs, some original to the house. Hail damage on tile is a matching and repairability argument: individual tiles may be replaceable, but matching discontinued profiles and colors frequently is not. In the post-1980 subdivisions on the north and west sides, the argument is more often brittleness on aging three-tab shingles and whether code-required decking and underlayment upgrades are owed.
Commercial losses in San Antonio skew toward restaurants, car dealerships along Loop 410 and I-10, and church campuses with large low-slope roofs and rooftop units. Hail on condenser coils and TPO membranes is where carrier and policyholder estimates diverge most.
Umpire appointment in Bexar County
When appraisers cannot agree on an umpire, a Bexar County district court or county court at law can appoint one on a short motion. We have found Bexar County appointments to be routine and fast. We also accept umpire appointments on San Antonio losses where neither party nor either appraiser has any connection to us.
Where we go
All of Bexar County plus Comal, Guadalupe, Kendall, Medina and Wilson counties: New Braunfels, Schertz, Cibolo, Boerne, Helotes, Converse, Universal City, Seguin, Bulverde and Canyon Lake.
Questions from San Antonio policyholders
The carrier approved two slopes of my San Antonio roof. Can appraisal get the whole roof?
Appraisal can award a full replacement if the evidence supports it: documented hail hits on every slope, brittleness that makes repairs impractical, or a matching problem the policy covers. We inspect every slope and test repairability before we tell you what to expect.
Does appraisal work for clay tile roofs in Alamo Heights?
Yes, and tile is where an independent appraiser matters most. Tile claims turn on breakage counts, underlayment condition, and whether a matching tile is still manufactured. Those are factual questions an appraisal panel resolves far better than a desk adjuster working from photos.
Joseph DittmanCertified insurance appraiser and umpire; licensed Texas public and independent adjuster. 463 appraisals closed in 2025, eight years of carrier-side adjusting, six years in construction. Serves as policyholder-appointed appraiser and as umpire statewide. Full bio