Current + Recent Storm Events

Texas Storm Events We Are Representing Claims For

If your property was damaged in one of these events, Dependable Claims Specialists can review your claim for free. We document the full loss, challenge improper denials, and negotiate for the settlement you are owed.

Free Claim Review

Toll Free:833-4UR-LOSS Texas Office:936-522-6627 FL:954-849-3405

Recent Events

April 25, 2026

Wise & Parker Counties, North Texas

Tornado Event

North Texas Tornado Outbreak

Two tornadoes touched down across North Texas on the night of April 25 - an EF-2 in Runaway Bay (Wise County) and an EF-1 in Springtown (Parker County). Two lives were lost, six neighbors were injured, and dozens of families were displaced. Hail and damaging winds also affected Arlington, Duncanville, and Fort Worth. Our hearts and prayers are with North Texas - we are here when you are ready.

Severity: EF-2 (130-135 mph) Runaway Bay; EF-1 (105 mph) Springtown

Affected areas: Runaway Bay - Springtown - Bridgeport - Decatur - Weatherford - Aledo - Azle - Fort Worth - Arlington - Wise County - Parker County - Tarrant County

Read the full claim guidance

March 10, 2026

Real County, Texas Hill Country

Hail Event

Leakey, Texas Hail Storm

Supercell struck Leakey, Rio Frio, and Garner State Park with hail ranging from 2.5" to 4.5". Hundreds of roofs, vehicles, and ranch structures sustained damage. Cosmetic Damage Exclusion denials are common on this event and are challengeable with proper documentation.

Severity: 4-inch hail (tennis-ball to grapefruit size)

Affected areas: Leakey - Rio Frio - Concan - Garner State Park - Real County - Uvalde County - Bandera County

Read the full claim guidance

Why Specific Storm Events Matter to Your Claim

On a property insurance claim, the cause of loss has to be tied to a specific covered peril and a specific date or weather window. Carriers commonly contest claims by arguing the damage is wear-and-tear, prior damage, or from a different (non-covered) event. Date- and event-specific evidence — radar imagery, NOAA Storm Events database records, hail-pad reports, NWS storm reports, and the published peer-reviewed weather data — is what defeats those arguments.

We track named events on this page so policyholders affected by them can find the resources we have already gathered: the date and time of the event, the affected counties, the peril type and intensity, and the carrier-handling patterns we are seeing on the file (deductible disputes, cosmetic-damage exclusions, adjuster scope omissions, etc.). The same documentation supports both initial claims and re-opened or supplemental claims long after the event.

Texas and Florida carriers are required by statute to acknowledge, investigate, and decide claims within prescribed timelines (Tex. Ins. Code §542.055–.060; Fla. Stat. §627.70131). On named-event claims, those deadlines run from your notice of loss — not from the storm itself — so giving prompt written notice is important. If you are unsure whether your damage relates to a specific event, a free claim review is the easiest way to find out.

Storm Claim FAQ

I think my roof was damaged in a recent storm but I am not sure. What should I do?

First, document everything you can see now (photos from the ground, photos from any safe vantage point, photos of any interior leaks or stains). Next, request a free claim review — we can pull historical weather data for your address, walk the roof if it is safe, and tell you whether the damage signature matches a covered storm event. Do not wait until the next rain event to act.

How long after a storm can I still file a claim?

Most Texas and Florida policies require notice "as soon as practicable" after the loss, and Florida Statute §627.70132 sets specific outer deadlines for hurricane and windstorm claims (currently one year for initial notice, eighteen months for supplemental — verify against your specific policy). Suit-limitation provisions in the policy also start running from a date defined in the policy. The earlier you give notice, the better.

My carrier denied the claim citing "cosmetic damage." Is the denial final?

Cosmetic Damage Exclusions are common on hail claims and are sometimes applied incorrectly. Functional damage to a roof — cracked mat, granule loss exposing matrix, fractured shingles, dented metal panels affecting waterproofing — is not cosmetic. Whether the exclusion applies depends on the specific policy language, the actual physical damage, and how it is documented. Many "cosmetic" denials are reversible with proper documentation.

Will filing a claim cause my policy to be non-renewed?

Texas and Florida law prohibits non-renewal solely for filing a covered loss claim, and both states have additional protections during catastrophe periods. Carriers do consider claim history at underwriting, but the protections in Tex. Ins. Code §551 and the Florida non-renewal restrictions limit a carrier's ability to act adversely against an insured for filing a legitimate claim.

Can DCS represent me on an event not listed on this page?

Yes. The events we publish are the ones generating the most volume; we represent policyholders on hail, hurricane, tornado, plumbing, fire, and water claims throughout Texas and Florida regardless of whether the underlying event has its own page here. Call 833-4UR-LOSS or submit a claim review request.