September 11 was not Converse's first hail storm, and carriers will remind you of that. The record matters for two reasons: it establishes the area as a hail zone, which affects underwriting and rates, and it hands carrier adjusters the "pre-existing damage" argument on every new claim.
The record
StormerSite's archive of National Weather Service and public reports lists 66 hail reports within ten miles of the Converse city center since 2004. The largest is 4.50", larger than a softball. The most recent report before this month was 1.00", quarter size, on May 2, 2025. San Antonio's northeast side has taken significant hail in 2016, 2019, 2021 and 2025 events that many Converse roofs were replaced after.
The September 11, 2026 storm adds a 2.50" report near Converse, spotter measurements of 1.5" between Converse and Kirby, and a National Weather Service warning for golf ball hail and 60 mph gusts with the storm centered over Kirby at 10:04 PM.
How carriers use it
Expect one of three arguments on a 78109 or 78244 roof:
- "Pre-existing." The bruising is from 2025, or 2021, and was not claimed then. The answer is evidence: fresh impacts show bright, un-weathered mat and granule loss with sharp edges; older impacts are oxidized and dull. We photograph both under a hand lens.
- "Wear and tear." Granule loss from age is uniform and follows water flow. Hail granule loss is random, circular and matches the soft-metal dents on the same slope. Test squares settle it.
- "Previously paid." If the roof was replaced after a prior storm, the carrier has the date and the invoice. That helps you: a five-year-old roof has little depreciation and its damage cannot be pre-existing.
What the history means for your policy
Rates in the Converse ZIP codes move with this record whether or not you file. Texas Insurance Code §551.107 bars a carrier from cancelling or non-renewing a homeowners policy based solely on weather-related claims. Filing a legitimate claim for a warned storm event is what the policy is for.
The full September 11 timeline, hail reports and sources are on our storm report page.
General information for Texas policyholders, not legal advice. Your claim depends on your policy and your property. More from the blog.