Home insurance in San Antonio starts with your policy, your deductible, and a storm that often brings hail and heavy rain together. The argument on a roof is frequently storm damage versus heat age. Shingles and tile that have baked for a long season can still take a fresh hit. Have the declarations page out and read the wind and hail deductible apart from the deductible on other damage before you decide what this claim is.
Photograph the evidence the weather leaves. Spatter and dents on metal, cracked or slipped tile, granules in the gutter, and a soft slope you can only confirm from the attic all belong in the file. Interior stains after the downpour belong too, matched to the slope above them. If water came in at the floor near a low crossing, photograph that line separately. Rising water and rain through a hail-compromised roof are not the same path, and your policy may not put them on the same page.
Ask whether water that rose from the street or a low spot lives on this policy or on a separate one you hold. Do not improve the story by blending the two. A sudden soaking through an opened roof is a different wording from seepage that stained a wall all season. Read that distinction on your page. Keep a sample of broken tile or granules, and do not replace the ceiling until the source is pictured.
Loss of use and belongings matter if rooms are open or contents got wet. Read those parts of your page instead of borrowing a neighbor's result. Dry and cover only enough to stop the loss from spreading, and note what you did. If you are calling before the next storm, say whether you want to understand the hail deductible or the way rising water is treated. The long heat will age the next roof whether or not you file anything today.
Say hail claim, rain-through-the-roof claim, rising-water question, or a policy question before storm season returns. Give the address and which deductible you are reading. Mention tile or asphalt so the damage description is believable. Call the number on this page.