How Roof Insurance Claims Work in Texas

A plain-English guide to filing a roof claim after hail or wind damage, from the first inspection to the finished roof.

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Key takeaways

• Get a free roof inspection first, so you know what was damaged before you file.

• Check your policy for your deductible and any deadline for reporting storm damage.

• Be wary of any contractor who offers to cover or waive your deductible. Texas law doesn't allow it.

In this article

1. Step 1: Get a free roof inspection

2. Step 2: Review your policy

3. Step 3: File the claim

4. Step 4: Meet the adjuster

5. Step 5: Review the decision and schedule repairs

6. What contractors can and can't do in Texas

7. Tips for a smoother claim

After a hail or wind storm, many Texas homeowners aren't sure whether to call a roofer or their insurance company first. Here's how the process usually works, and how to protect yourself along the way. Every policy is different, so always check yours or talk to your agent.

Step 1: Get a free roof inspection

A roofer can tell you whether the storm actually damaged your roof and how badly. We photograph and document everything, which helps you decide whether a claim makes sense.

Step 2: Review your policy

Look for your deductible (often a percentage of your home's insured value for wind and hail in Texas), whether your roof is covered at replacement cost or actual cash value, and any deadline for reporting damage.

Step 3: File the claim

Contact your insurance company to report the damage. Share the photos and documentation from your inspection.

Step 4: Meet the adjuster

Your insurer will send an adjuster to inspect the roof. You can share your roofer's photos and damage report with them.

Step 5: Review the decision and schedule repairs

If the claim is approved, you'll get a scope of work and payment details from your insurer. Then you schedule the repair or replacement with the contractor you choose.

What contractors can and can't do in Texas

A roofing contractor can inspect your roof, document the damage and guide you through the process. In Texas, a contractor can't act as your adjuster or negotiate the claim for you, and can't offer to pay or waive your deductible. If a contractor promises a "free roof," that's a red flag.