Step-by-step, with what to do before, during, and after filing.
April 17, 2026 • Houston Roofing
Texas hurricane claims are won or lost on documentation. A professional inspection with photos, backed by a roofer who knows what adjusters need, is the single biggest factor in whether you get a fair settlement or a denial. Here is the exact sequence that works.
If a named storm is forecasted for Houston, do three things: photograph your current roof condition from multiple angles, locate your insurance policy and review hurricane/wind deductibles, and save your insurance company's claim phone number. Pre-storm photos prove the roof's condition before damage, which matters if the insurance company later tries to argue pre-existing issues.
Do not climb on the roof yourself — it is unsafe immediately after storms. From the ground, photograph any visible damage: missing shingles, debris, water stains inside the home. If water is actively entering, take photos of that too.
If there is active leaking, cover valuables with plastic and place containers under drips. Do not start removing damage or doing repairs yourself beyond what is needed to prevent further loss — the insurance company needs to document the damage as-is.
This is the step most homeowners get wrong. They call insurance first, get an adjuster assigned, and then find a roofer. The outcome is worse almost every time.
Call a professional roofer first. They will do a free inspection, document damage with a photo report, and tell you honestly whether damage is claim-worthy or below deductible. If it is worth filing, they will coordinate directly with your insurance company, be present for the adjuster's visit, and handle scope disputes.
Once your roofer confirms damage warrants a claim, file through your insurance company's standard process — phone, app, or website. You will provide: policy number, date of loss, brief description of damage, and contact information.
The company will assign an adjuster who will schedule an inspection. This typically happens within a few days during normal times, or within a few weeks after major regional events when claim volume is high.
Have your roofer present for this inspection whenever possible. Adjusters are reasonable people doing their job, but they are working from a scope mindset that favors lower settlements. A qualified roofer advocates for proper scope based on what actually needs replacement.
The adjuster will produce a scope of loss — a document listing what they will pay for. Review it carefully with your roofer. If items are missing (flashing, decking, full slopes), request a supplement with supporting documentation.
Once the claim is approved, the insurance company typically issues an initial payment (Actual Cash Value) for the damage. After repairs are completed, you submit the final invoice and receive the remainder (Replacement Cost Value) minus your deductible. Your roofer will handle invoicing on the insurance company's required forms.
Texas law gives you two years from the date of damage to file a claim, but do not delay — evidence deteriorates and the insurance company may argue the damage was caused by later events.
Texas hurricane/wind deductibles are typically 1%-5% of dwelling coverage, significantly higher than standard deductibles. Check your policy.
Beware of storm-chaser contractors who show up door-to-door after major events. Work with established local roofers who will still be around in a year if warranty issues arise.
If your Houston roof has taken storm damage, call us first at (713) 527-2719 for a free inspection and full claim coordination. See our storm damage repair page for details on the process.