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How to file a roof insurance claim in Texas
A step-by-step guide for homeowners in Spring, Tomball, The Woodlands, Cypress, Magnolia, Pearland and across Greater Houston. Your claim belongs to you. Here's how to file it, what to expect, and where we can help.
Texas rules at a glance
Deadlines your insurer has to meet
Under Texas law, once you file, your insurance company is on the clock. During a weather catastrophe, the state can extend these deadlines by 15 days.
Step by step
Filing your claim, start to finish
Stay safe and stop more damage
Cover holes and broken windows and remove standing water if it's safe. Your policy may pay for temporary repairs like a tarp, so keep every receipt.
- Need a tarp now? Call or text 346-576-0412.
Document everything
Take photos and video of the damage outside and inside, and write down the date of the storm. Don't throw away damaged items until your insurance company says you can.
- Every slope, gutter and vent you can safely see
- Ceiling stains, wet insulation and damaged belongings
- Fallen limbs or debris before they're cleared
Read your policy
Find your wind and hail deductible, which may be different from your other deductible, and check whether your roof is covered at replacement cost or actual cash value. Many policies require you to report storm damage within a year.
Get a free roof inspection
We inspect and photograph the roof and tell you what we find. If the damage costs less than your deductible, filing may not make sense, and we'll tell you that too.
File your claim
Call your insurance company or agent, or file online or in their app. Give them the date of the storm and a description of the damage.
- Write down your claim number
- Get the adjuster's name and contact information
- Keep notes on everyone you talk to and when
Meet the adjuster
Be available for the inspection so the adjuster can see all the damage. We can be there too, to point out what we documented.
Review the estimate
Compare the insurance estimate with your contractor's scope. If items were missed, like drip edge, decking or code-required work, we send documentation so your insurer can review a supplement. You can also ask for a re-inspection.
Understand your checks
With replacement cost coverage, the first check is usually the actual cash value minus your deductible. The rest, called recoverable depreciation, comes after the work is done. If your mortgage company is named on the check, it will need to endorse it; Texas requires the mortgage company to contact you within 10 days of getting the payment.
Pay your deductible and build
Pay your deductible to your contractor; your insurer may ask for proof. Then we schedule the build and keep you updated with photos.
Close out the claim
We send the final invoice and photos so your insurer can release the remaining funds. Keep your warranty paperwork and photos together for the future.
Have this ready
- Your policy number and insurance company
- The date of the storm
- Photos and video of the damage
- A list of damaged areas and items
- Receipts for temporary repairs
- Your mortgage company's name
If you disagree with the decision
- Call your adjuster or agent and share supporting photos and documentation
- Ask for a written explanation of anything that was denied
- Request a re-inspection
- Check your policy for an appraisal clause
- Contact the Texas Department of Insurance at 800-252-3439 or file a complaint online
- For larger disputes, talk to an attorney or a licensed public adjuster
Our role
Where we help, and where we don't
In Texas, contractors can document damage and meet your adjuster, but they can't negotiate your claim. Here's exactly what to expect from us.
What we do
- Inspect and document the damage
- Tarp to stop leaks
- Meet your adjuster on site
- Provide photos and measurements for supplements
- Build your new roof and close out the claim
What we never do
- Negotiate or settle your claim (Texas requires a license for that)
- Waive, cover or rebate your deductible
- Ask you to sign anything with blank spaces
- Ask for full payment up front
Questions
Common questions
Should I call a roofer or my insurance company first?
Either works, but a free inspection first tells you whether there's real storm damage and whether it's likely above your deductible.
Will filing a claim raise my premium?
It depends on your insurer and your claims history. Ask your agent how a claim could affect your policy.
What if the damage costs less than my deductible?
Then your insurance won't pay for it. We can quote the repair directly so you can decide.
Start with a free inspection
Not sure if you have a claim?
We'll inspect your roof, photograph what we find and tell you honestly whether it's worth filing.