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Roof insurance claims in Texas, explained

What’s covered, what isn’t, and exactly what we do (and legally can’t do) to help.

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How a roof claim works, start to finish

Six steps. Here is who does what in each one.

  1. Free inspectionWe check for hail and wind damage and tell you honestly if it’s worth filing.
  2. You file the claimYou call your insurer or file in their app. We give you the photo report to attach.
  3. Adjuster visitWe meet the adjuster on the roof and point out every hit we documented.
  4. Approval or re-inspectionIf approved, you get a scope and check. If something was missed, you can ask for a re-inspection.
  5. The workWe do the approved scope and send completion photos for any depreciation your policy holds back.
  6. Your deductibleYou pay your deductible. In Texas it is illegal for a roofer to waive or cover it.

The Texas rules, plainly. A roofer can’t waive, rebate or pay your deductible (Texas Insurance Code §707), and only a licensed public adjuster or attorney can negotiate your claim. We document damage and explain it to your adjuster. That’s it, and that’s on purpose.

What’s usually covered, and what isn’t

Usually covered
  • Hail damage to shingles, vents, gutters and flashing
  • Wind damage: missing or creased shingles
  • Damage from fallen trees and limbs
  • Interior water damage caused by a covered roof event
Usually not covered
  • Normal wear and old age
  • Damage from poor past workmanship
  • Leaks that went unrepaired for a long time
  • Cosmetic-only damage on some policies (check for a cosmetic exclusion)

Every policy is different. Read your declarations page or ask your agent.

Words your adjuster will use

Deductible
What you pay before insurance pays. Wind and hail deductibles in Texas are often 1–2% of your home’s insured value.
ACV vs RCV
Actual cash value pays the depreciated value; replacement cost value pays to replace, often in two checks.
Depreciation holdback
Part of the money released after the work is done and photos are sent.
Supplement
A request to add items the adjuster missed, like code-required drip edge.
Mitigation
Steps to prevent more damage, like a tarp; usually reimbursable.

What our damage file includes

  • Dated, close-up photos of every hail hit, crease and missing shingle
  • A roof diagram with each slope and its damage marked
  • Gutter, vent and AC-fin dents (they prove hail size)
  • Attic photos of any water getting in
  • Measurements of the whole roof
  • Code items the adjuster may miss, like drip edge and ice-and-water shield

Insurance claim questions

Can you negotiate with my insurance company?

No. In Texas only a licensed public adjuster or attorney can negotiate a claim for you. We document damage and explain it to the adjuster.

Is there a deadline?

Many Texas policies require claims within one year of the storm; check yours.

Will my premium go up?

It depends on your insurer and history; ask your agent.

What if I already got a check?

We can build the repair to the approved scope and help with photos for the depreciation release.

Not sure if it’s worth filing?

Get the free inspection first. If there’s no real damage, we tell you, and you don’t file.