Boerne is the county seat of Kendall County, northwest of San Antonio along I-10 in the Texas Hill Country. Cibolo Creek runs through town, and the surrounding area mixes historic buildings, established neighborhoods, newer subdivisions, and larger rural and acreage properties. If you need a public adjuster in Boerne, TX, we help with the hail, wind, water, and freeze claims that come with Hill Country weather.
We serve Boerne and nearby Kendall County communities. We do not have a local office; we come to the property.
Weather risks around Boerne
The NOAA storm history on this site covers Bexar County, which begins just south of Boerne. Those records show what has happened along the I-10 corridor between San Antonio and Boerne:
- April 13, 2019: 3-inch hail at the Dominion Country Club that broke vehicle windows, with additional 3-inch hail reports in the Dominion and Leon Springs area.
- May 24, 2020: estimated 80 mph winds uprooted trees in Fair Oaks Ranch.
- May 28, 2021: estimated 80 mph winds knocked down large tree limbs and broke power poles in Leon Springs.
- May 26, 2025: a 60 mph gust measured with a handheld anemometer south of Boerne, the same day 3-inch hail fell in Helotes.
Heavy rain is the other major hazard. NOAA records describe a November 2000 event with isolated totals up to 6 inches between San Antonio and Boerne, and January 2021 brought about an inch of snow near Boerne. For storms recorded inside Kendall County, search the NOAA Storm Events Database. Our storm lookup tool will show nearby Bexar County reports within your chosen radius.
Boerne homes and common claims
Hill Country construction around Boerne often includes limestone and stone veneer, stucco, and standing-seam metal roofs alongside composition shingles. Acreage properties may have barns, workshops, fences, and other outbuildings. These features raise specific claim questions:
- Metal roofs. Hail can dent metal panels without causing leaks. Whether that damage is covered may depend on a cosmetic damage exclusion in your policy.
- Other structures. Barns, detached garages, and fences are often covered under a separate, lower limit. Check your declarations page.
- Trees. Large oaks are common, and wind claims often involve tree impact and debris removal limits.
- Water. Creek and low-water-crossing flooding is generally excluded from homeowners policies and handled by flood insurance, while roof leaks after storm damage and burst pipes may be covered.
We help with hail damage, roof damage, wind damage, water damage, and freeze damage claims, for both homes and commercial properties.
After a storm in Boerne: first steps
- Stay safe. Avoid flooded low water crossings and downed lines, and do not climb onto a wet or damaged roof.
- Photograph everything before cleanup: each roof slope you can see from the ground, all sides of the house, outbuildings, fences, vehicles, and any hail stones next to a coin or ruler.
- Prevent further damage with tarps or water extraction, and keep every receipt.
- Report the claim promptly and write down the claim number and adjuster contacts.
- Save the weather record for your date of loss from the NWS or NOAA.
Our claim documentation checklist walks through each step for hail, wind, water, and roof damage.
Permits in Boerne and Kendall County
The City of Boerne has its own building permit and inspection office, and its requirements are separate from the City of San Antonio's. Properties outside Boerne city limits in unincorporated Kendall County follow county requirements. Confirm which office applies before roof replacement or structural work. Whether your insurer pays for code-required upgrades depends on your policy's ordinance or law coverage; our building codes guide explains the basics.
How we help Boerne property owners
San Antonio Public Adjuster represents policyholders only. We inspect the full property, including outbuildings, document the damage, review your policy and the insurer's estimate, and handle communication with the insurer. If your claim was denied or underpaid, we can review it with you. We cannot guarantee any result; coverage depends on your policy. Request a Free Claim Review or call +1 (832) 503-5866.
Frequently Asked Questions
Do you serve Boerne even though it is in Kendall County?
Yes. Boerne is in Kendall County, just northwest of Bexar County along I-10, and it is one of the communities we serve. Texas public adjuster licensing is statewide.
My metal roof has hail dents. Will insurance pay to replace it?
It depends on your policy. Some policies cover any physical hail damage to a metal roof, while others include a cosmetic damage exclusion that limits coverage to damage affecting the roof's function, such as leaks or punctures. Read your policy and endorsements, and document dents with photos and measurements.
Where can I find storm reports for Boerne?
The storm history on this site covers Bexar County. For events recorded in Kendall County, search the NOAA Storm Events Database and select Kendall County. Our storm lookup tool will still show Bexar County reports within your chosen radius of Boerne.
Who handles building permits in Boerne?
The City of Boerne has its own permit and inspection office. Properties outside city limits in unincorporated Kendall County follow the county's requirements. Confirm with the right office before repairs.
What does a public adjuster cost?
Fees are disclosed in a written contract before any work begins; Texas law caps public adjuster compensation at 10% of the insurance settlement. You may rescind within 72 hours of signing.