Filing a roof insurance claim after storm damage can feel overwhelming, especially if you have never been through the process before. Texas has specific rules that protect homeowners, and understanding them puts you in a stronger position. Here is how the process works from start to finish.
Step 1: Document the Damage Immediately
As soon as it is safe after a storm, take photos and video of any visible damage from the ground. Include wide shots of your roof, close-ups of damaged areas, and photos of any interior water stains or leaks. Note the date and time. This initial documentation establishes a timeline that supports your claim.
Step 2: Contact Your Insurance Company
Call your insurer’s claims line to report the damage. In Texas, you have a right to file a claim within the timeframe specified in your policy — typically one to two years from the date of the storm event. When you call, write down your claim number and the name of the adjuster assigned to your case.
Step 3: Get a Professional Roof Inspection
Before the adjuster arrives, have a licensed roofing contractor inspect your roof. A qualified inspector will identify damage that may not be visible from the ground — cracked shingles, dislodged flashing, bruised decking, and compromised pipe boots. At Lasso Roofing, we provide free storm damage inspections with a detailed photo report you can share with your adjuster.
Step 4: Be Present for the Adjuster’s Visit
When the insurance adjuster inspects your property, you have the right to be there. We also recommend having your roofing contractor present. Your contractor can point out damage the adjuster might miss, especially on hard-to-see areas like valleys and around penetrations.
Step 5: Review the Scope of Work
After the inspection, your insurance company will send a scope of work and a payment estimate. Review this carefully. Common issues include missed line items for starter strip, drip edge, or ice-and-water shield; under-counted squares; and depreciation holdback on ACV policies that you can recover after repairs are completed.
If the scope seems low, you have the right to request a re-inspection or file a supplement.
Step 6: Choose Your Contractor and Begin Repairs
In Texas, you have the right to choose your own contractor — you are not required to use anyone your insurance company recommends. Select a contractor who is licensed, insured, and willing to work directly with your insurer on any supplemental documentation.
Know Your Rights
The Texas Department of Insurance (TDI) regulates how insurance companies handle claims. If your claim is denied or underpaid and you believe the decision is wrong, you can file a complaint with TDI at no cost. You also have the right to hire a public adjuster or consult an attorney if negotiations stall.
Storm damage is stressful enough. Understanding the process gives you the confidence to advocate for a fair outcome.