When hail or wind damages your roof, the insurance process can feel confusing. This step-by-step guide explains how roof insurance claims generally work in Texas, what deadlines to watch, and how to document damage so the process goes smoothly.
Note: this is general information, not legal or insurance advice. Every policy is different, so always read your own policy and talk with your insurance agent.
Does Homeowners Insurance Cover Roof Damage in Texas?
Most Texas homeowners policies cover sudden, accidental damage from events like hail, wind and falling trees, as long as your policy includes wind and hail coverage. Damage from normal aging, poor maintenance or long-term wear is usually not covered. Some coastal homes have wind coverage through a separate windstorm policy, so check which policy applies to you.
How Long Do You Have to File a Roof Claim in Texas?
There are two different deadlines to understand:
- Your policy’s reporting deadline. Many Texas homeowners policies require you to report wind or hail damage within a set time after the storm, often one year. Some policies differ, so check yours.
- The legal deadline to sue. If a claim is denied or underpaid, Texas law generally gives you a limited time, commonly two years, to take legal action.
The safest approach is to report damage as soon as you find it. Waiting makes it harder to prove when the damage happened.
Step-by-Step: Filing a Roof Insurance Claim
1. Document the damage
Take dated photos and videos of damage you can see safely from the ground: dented gutters and vents, shingle pieces in the yard, ceiling stains and attic leaks. Write down the date of the storm and the size of the hail if you saw it.
2. Prevent further damage
Most policies expect you to take reasonable steps to stop more damage, such as tarping an active leak. Keep receipts for temporary repairs. Do not make permanent repairs before the adjuster inspects unless your insurer says it is fine.
3. Get a professional roof inspection
A roofer can confirm whether there is real storm damage, how widespread it is, and document it with photos. This helps you decide whether a claim makes sense, especially if the repair cost might be close to your deductible. See our guide on signs of hail damage.
4. Review your policy and deductible
Check your wind and hail deductible, which in Texas is often a percentage of your home’s insured value rather than a flat amount. Also check whether your roof is covered at replacement cost or actual cash value, since that affects how much you receive for an older roof.
5. File the claim
Contact your insurer or agent by phone, app or online portal. Give the date of the storm, what you found and any temporary repairs you made. Write down your claim number and the name of everyone you speak with.
6. Meet the adjuster
The insurance company will send an adjuster to inspect the roof. It often helps to have your roofer there too, so all damage is pointed out and documented. Ask the adjuster for a copy of their estimate.
7. Review the estimate and complete repairs
Compare the insurer’s estimate with your roofer’s scope. If something is missing, such as damaged vents, flashing or decking, ask your insurer how to submit additional documentation. Once approved, schedule the repair or replacement.
Your Rights Under Texas Law
Texas has prompt payment rules that set deadlines for insurers to acknowledge, investigate and respond to claims. If you have trouble with a claim, the Texas Department of Insurance offers consumer help and information. For disputes, you may want to speak with a licensed public adjuster or an attorney.
Tips to Avoid Common Problems
- Report damage promptly, even if you are not sure it is serious.
- Keep all photos, receipts, emails and notes in one place.
- Be wary of anyone who offers to waive or pay your deductible; that is not allowed in Texas.
- Get a written, itemized estimate from your roofer.
- Do not sign anything you do not understand.
Need a Roof Inspection for an Insurance Claim?
We inspect storm-damaged roofs across Houston, document damage with dated photos and explain what we find in plain language. Learn more about our storm damage roof repair, read our roof replacement cost guide, or book a free roof inspection.
FAQs
Will filing a roof claim raise my premium?
It can, depending on your insurer and claim history. Ask your agent before filing a small claim.
What if my claim is denied?
Ask for the denial in writing with the reasons, review your policy and consider getting a second inspection. You can also contact the Texas Department of Insurance for guidance.
Does insurance cover an old roof?
Storm damage to an older roof may still be covered, but many policies pay actual cash value for older roofs, which accounts for depreciation.