Guide · Insurance
How to file a roof insurance claim in Texas
Central Texas and DFW get hammered by hail and wind. If you have storm damage and a current policy, you're usually covered for a full replacement. You just pay your deductible. Here's how to do it right, step by step.
The claim process, step by step
- 1
Get a free inspection first
Before you call your insurer, get a professional roof inspection. Most storm damage, especially hail bruising, isn't visible from the ground. A documented inspection tells you whether you have a claim worth filing.
- 2
Know your policy
Check three things: your deductible (often 1–2% of home value for wind/hail in Texas), whether you have ACV or RCV coverage (depreciated vs. full replacement cost), and your filing deadline.
- 3
File the claim
Call your insurer or file online with the date of the storm and a short description of the damage. You'll get a claim number and an assigned adjuster.
- 4
Meet the adjuster with your roofer there
The adjuster inspects and writes a 'scope of loss.' Have your roofer present so every damaged component (shingles, flashing, vents, gutters, decking) gets counted. This is where most homeowners get shortchanged.
- 5
Review the settlement
You'll get an itemized estimate and a first check, usually the ACV (depreciated amount minus your deductible). Make sure the scope matches the real damage before you accept.
- 6
Get the work done
Schedule the replacement. We install to the approved scope and document the completed work with photos and a certificate of completion.
- 7
Collect recoverable depreciation
With RCV coverage, your insurer holds back 'recoverable depreciation' until the work is finished. We submit the final invoice so you receive that second check.
What's typically covered
Usually covered
- Hail bruising and granule loss
- Wind-lifted or torn-off shingles
- Tree-strike and impact damage
- Damaged flashing, vents, and gutters
- Resulting interior water damage
Usually not covered
- Normal wear-and-tear and age
- Pre-existing or undisclosed damage
- Damage from deferred maintenance
- Cosmetic-only issues (on some policies)
Think you have storm damage?
We inspect for free within 48 hours of any Central Texas or DFW storm, document everything, and handle the claim with your adjuster start to finish.
Insurance claim FAQs
Will filing a claim raise my rates?+
A single weather-related claim usually won't. These are 'acts of God,' not your fault, and your whole neighborhood often files after the same storm. Multiple claims in a short window can affect rates, so it's worth confirming you have real, documented damage first.
Can a roofer waive my deductible?+
No. That's insurance fraud in Texas, and it's illegal. Anyone who offers to 'eat' or 'waive' your deductible is a red flag. You're responsible for your deductible; we make sure the rest is handled fairly.
How long do I have to file in Texas?+
Texas generally gives you at least a year from the date of loss, but file promptly. The longer you wait, the harder it is to tie the damage to a specific storm.
Do I have to use the contractor my insurer recommends?+
No. You choose your own roofer. Your insurer's 'preferred' list is optional. Pick a local, insured contractor who will advocate for the full scope of your claim.