Craig PornoreyIf your roof has been damaged by hail, wind, or a recent storm, the first question on your mind might be: “Will my insurance cover this?” The good news is, many homeowners’ insurance policies in Texas do cover roof damage caused by sudden weather events—but navigating the claims process can be confusing.
Here’s a simple guide to help you understand how to file a claim, what to expect, and how to make sure you get the coverage you deserve.
Step 1: Assess The Damage—But Do It Safely
After a storm passes, the first thing you should do is check for visible signs of roof damage. Look for:
- Missing or cracked shingles
- Leaks or water spots on your ceilings
- Dented flashing or gutters
- Shingle granules in your downspouts
- Debris or fallen branches on the roof
Avoid climbing onto the roof yourself, especially if it’s wet or unstable. Instead, contact a professional roofing contractor who specializes in roof insurance claim help in Texas to perform a thorough, safe inspection.
Step 2: Document Everything
Once a roofer inspects the damage, you’ll want to collect:
- Photos of the roof and surrounding property
- Notes on what type of storm occurred (hail, wind, etc.)
- Time and date of the event
- A written inspection report or damage assessment
The more evidence you provide, the easier it is for your insurer to process your claim quickly—and accurately.
Step 3: Contact Your Insurance Company
Call your homeowners’ insurance provider as soon as possible to report the damage and begin the claim process. They will assign an insurance adjuster to inspect your property and verify the reported issues.
It’s a smart move to have your roofing contractor present when the adjuster arrives. This ensures nothing is missed and that your interests are represented during the walkthrough.
Step 4: Understand Your Policy Coverage
Most homeowners insurance policies in Texas cover sudden roof damage caused by:
- Hailstorms
- High winds or tornadoes
- Falling trees or debris
- Fire or lightning
However, normal wear and tear or lack of maintenance is typically not covered. Check your policy details carefully—especially your deductible, limits, and whether you have Replacement Cost Value (RCV) or Actual Cash Value (ACV) coverage.
Step 5: Get Multiple Estimates (If Needed)
Even though your insurance company will provide a settlement amount, you’re not required to use their preferred vendors. You can choose any licensed contractor. A reputable roofer will help you compare the estimate to your settlement and ensure you get what’s fair.
Some contractors—like Falcon Roofing—offer guidance throughout the entire roof damage insurance process, from inspection to approval to repair.
Common Mistakes To Avoid
- Waiting too long to report damage
- Failing to document everything
- Signing with a contractor before the claim is approved
- Accepting a low settlement without questioning it
You have the right to ask questions, challenge an insurance offer, or get a second opinion. Your roof is too important to settle for less than full coverage if it’s justified.
Final Thoughts
Filing a roof insurance claim doesn’t have to be stressful—but it does require some preparation and the right support. By documenting damage early, working with a reputable roofing contractor, and staying informed about your coverage, you can ensure the process goes smoothly.
If you suspect your roof has been damaged after a storm, don’t wait. Contact a local expert for roof insurance claim help in Texas and take the first step toward restoring your home with confidence.
