Omar Ochoa Law Firm

Roof Insurance Claim Process in Texas


April 10, 2024


Omar Ochoa

April 10, 2024

April 23, 2024

Texas weather can be unpredictable, and homeowners must contend with hail, strong winds, and even the occasional hurricane. While proper roof maintenance is crucial to keeping your home safe against the elements, even the most well-maintained roof can suffer damage.

When harsh weather damages your roof, understanding the Texas roof insurance claim process is essential. This guide will equip you with the knowledge to navigate each step, from filing a claim to receiving your final payment. If you encounter any complexities or need legal guidance, don’t hesitate to consult with a trusted Texas roof damage attorney.

Understanding Your Home Insurance Policy

Before diving into the claim process, it’s crucial to familiarize yourself with the specifics of your homeowners insurance policy. Understanding your coverage and exclusions can help you navigate the claims process more effectively and ensure you receive the appropriate coverage for roof damage.

Here are some key aspects to understand:

Covered Damage

Covered Damage

First and foremost, it’s vital to understand the basics of what your policy does cover. This includes:


Your homeowner’s insurance typically covers damage caused by hailstones. This includes dents, cracks, or punctures to your roof.


High winds during storms can wreak havoc on your roof, causing blown-off shingles, ripped flashing, or even structural damage. Your insurance policy should cover windstorm damage.


Your policy may also cover roof damage caused by things like fire, lightning, or fallen tree branches. However, coverage may vary depending on your specific policy terms.

Policy Exclusions

It’s essential to be aware of potential exclusions in your policy, as they can affect your coverage eligibility. Here are some common exclusions:

Normal Wear and Tear

Gradual deterioration of your roof due to age or lack of maintenance is generally not covered by homeowners insurance. That’s why it’s important to distinguish between damage caused by sudden events and damage due to gradual wear and tear.


Damage or degradation that’s the result of intentional neglect or a failure to properly maintain your roof is likely excluded by your policy. Insurance companies expect homeowners to take reasonable steps to maintain their property and prevent damage.

Specific Events

Some policies might exclude coverage for certain events like earthquakes or floods. If you live in an area prone to these risks, you may need to purchase additional coverage or a separate policy to adequately protect your home.



The deductible is an important aspect of your homeowner’s insurance policy and plays a significant role in determining how much you’ll pay for roof damage. Here’s what you need to know about deductibles:

What a Deductible Is

A deductible is the amount of money you are responsible for paying toward a covered claim before your insurance company begins to contribute. It’s essentially your share of the repair costs.


Deductibles can vary depending on your policy and insurance provider. They are typically expressed as a specific dollar amount, such as $500, $1,000, or more. The higher the deductible, the lower your insurance premiums are likely to be.

Certain policies may have deductibles expressed in a percentage. This is commonly seen in “disaster deductibles” that cover specific things like hail and windstorms. In these cases, the deductible is usually a percentage of the total home value — usually anywhere from 2% to 20%.


When you file a claim for roof damage, you’ll need to pay your deductible before your insurance company covers the remaining repair costs. For example, if your roof sustains $5,000 in hail damage and you have a $1,000 deductible, you’ll need to pay $1,000 out of pocket, and your insurer will cover the remaining $4,000.

Choosing a Deductible

When selecting a homeowners insurance policy, you’ll typically have the option to choose your deductible amount. It’s essential to consider your budget and risk tolerance when deciding on a deductible. A higher deductible can lower your premiums but may require you to pay more out of pocket in the event of a claim.

Steps in the Roof Claim Process in Texas

Navigating roof insurance claims can be complex, but understanding the process can help you effectively manage it and ensure you receive fair compensation. This is the typical roof claim process, step-by-step:

1. Assess the Damage

After discovering roof damage, conduct a thorough assessment of the extent of the damage. Document the damage with photographs or videos to provide evidence for your insurance claim.

2. Review Insurance Policy

Carefully review your homeowner’s insurance policy to understand your coverage for roof damage, including any deductibles, coverage limits, and exclusions.

3. Contact Your Insurance Company

Report the roof damage to your insurance company as soon as possible. Provide details of the damage, including when and how it occurred. Be prepared to provide your policy number and other relevant information.

4. Schedule an Inspection

Your insurance company will likely schedule an inspection of your roof to assess the damage. It’s important to be present during the inspection to point out areas of concern and ensure a thorough assessment.

5. Obtain Estimates

Obtain Estimates

Before you get an offer from your insurance, you should obtain estimates from reputable roofing contractors for the cost of replacement or repairs. These estimates can help you determine whether the insurer’s offer is fair.

6. Review Settlement Offer

Once the inspection is complete, your insurance company will provide a settlement offer based on the adjuster’s assessment. Review the offer carefully to make sure it covers all necessary repairs or replacement costs.

7. Negotiate If Necessary

If you believe the settlement offer is insufficient to cover the full extent of the damage, negotiate with your insurance company. Provide additional evidence or estimates to support your claim for higher compensation.

8. Agree on Repairs

Once you and your insurance company agree on the settlement, select a reputable roofing contractor to complete the repairs or replacement of your roof. Make sure the contractor is licensed and insured.

9. Document the Repairs/Replacement

Keep records of all work done on your roof, including invoices, receipts, and photographs of the completed work. This documentation may be needed for future roof insurance claims or inspections.

10. Finalize the Claim

After the roof replacement or repairs are completed, notify your insurance company and provide documentation of the work done. Your insurance company will then finalize the claim and issue any remaining payments owed to you.

11. Review Policy Renewal

Now that you’ve experienced the roof insurance claim process, you’ll have a good idea of whether you have sufficient coverage in case of any future damage. So take the opportunity to review your policy to ensure you have adequate future coverage, and make plans to adjust it upon renewal if necessary.

By following these steps, you can navigate the claim process and make sure you receive fair compensation for any damage to your roof. If you encounter any challenges or disputes with your insurance company, consider seeking assistance from a qualified insurance attorney.

Additional Tips for Filing a Texas Roof Claim

Document Everything

  • Get Photos and Video: Get detailed photos and videos of the damage, including wide shots and specific details like cracks or missing shingles.
  • Note the Date and Time: Document the date and time the damage occurred — this information can be crucial in establishing the cause of the damage.
  • Keep All Records: Maintain a file for all claim-related documents, including the roof inspection report, adjuster notes, communication with the insurance company, contractor estimates and invoices, and any other relevant paperwork.

Beware of Unsolicited Contractors

  • Watch for High-Pressure Tactics: Be wary of contractors approaching you directly after a storm, often using aggressive sales tactics and promising quick solutions.
  • Get Multiple Quotes: Obtain quotes from several reputable and licensed contractors, comparing estimates, qualifications, and references to choose the best fit.
  • Verify Credentials: Make sure the contractor is licensed by the Texas Department of Licensing and Regulation (TDLR) and has a good reputation in your area.

Seek Legal Help If Needed

  • Protect Yourself in Complex Situations: If you encounter significant challenges, disagree with the assessment, or feel the insurance company is acting unfairly, consider seeking legal counsel from a qualified Texas property damage attorney.
  • Understand Your Rights: A lawyer can help you understand your rights, navigate legal complexities, and potentially represent you in negotiations or appeals.
  • Make Informed Decisions: Consulting with an attorney can empower you to make informed decisions throughout the claim process and ensure your rights are protected.

Avoid These Pitfalls for a Smooth Texas Roof Insurance Claim Process

While navigating a roof insurance claim can be stressful, avoiding these common pitfalls can significantly increase your chances of a successful outcome:

  • Wasting Valuable Time: Don't delay contacting your insurance company.
  • Failing to Document the Damage: This documentation is vital in establishing the cause and nature of the damage.
  • Not Getting Your Own Inspection: Getting an independent inspection will help you evaluate the cost of repair/replacement and keep your insurer honest.
  • Ignoring Communications with Your Insurer: Respond promptly and honestly to the insurance company's inquiries — if you work with a property damage attorney, they often handle these communications on your behalf.
  • Taking the First Offer Without Careful Consideration: Never accept your insurer’s first offer without reviewing your policy and considering negotiation.
  • Not Documenting Repair/Replacement: Obtain detailed invoices, warranties, and a certificate of completion from your contractor.

If you keep these guidelines in mind, you can increase your chances of a successful Texas roof insurance claim.

Protecting Your Rights

Navigating the roof insurance claim process can be complex, but understanding the steps involved should make it easier. If you encounter challenges or disputes, don’t hesitate to reach out to a trusted Texas property damage attorney at Omar Ochoa Law Firm. Contact us today for personalized assistance with your roof damage claim.

Omar Ochoa

Omar Ochoa has been nationally recognized as one of the best young trial lawyers in the country. He's represented clients in federal and state courts and arbitrations throughout the United States and internationally. He is highly experienced in a wide range of complex litigation and has handled a variety of cases. He has recovered hundreds of millions of dollars for clients of all types — from individuals to mid-sized business owners to multi-national companies.

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