Step 1: Document Before You Call
Before the insurance company sends anyone, get your own record. Photos of missing shingles, dented vents, hail marks, and any interior leaks, dated if possible. Do not climb on the roof yourself. Our free inspection does this properly: drone photos, a written report, and measurements you can hand to the adjuster.
Step 2: File the Claim
Call your insurer's claims line and report storm damage to the roof. They will open a claim number and assign an adjuster. Note the date of the storm if you know it. Filing promptly matters: policies have deadlines, and waiting months weakens the link between the storm and the damage.
Step 3: The Adjuster Visit
The adjuster inspects the roof and decides what the insurer will pay for, minus your deductible. This is where documentation decides outcomes. Our report gives the adjuster dated photos and specifics instead of relying on memory. We can be on site during the visit to point out damage and answer technical questions.
Step 4: The Estimate and the Check
The insurer issues a scope of work and a payment, usually in two parts: an initial amount, then recoverable depreciation after the work is completed and invoiced. Read the scope carefully. If legitimate damage was missed, it can be supplemented, which is another reason thorough documentation matters from day one.
What to Watch For
- Do not sign anything from a door-knocker before you understand it. Some storm-chaser contracts sign away your claim rights.
- Your deductible is yours. In Texas, a contractor offering to "cover" or "waive" your deductible is a red flag. The deductible is part of your policy, and the insurer prices the claim around it.
- Cosmetic vs. functional. Insurers sometimes classify hail marks as cosmetic and deny them. Dated photos and a professional report are your counter.
- You choose the roofer. The insurer cannot force you to use their preferred contractor. Pick the company you want working on your home.
How We Help With Claims
We document damage with photos, organize it for the claim, meet the adjuster on site when asked, and do the work to the approved scope with our 5-year transferable labor warranty. What the insurer approves is their call, not ours, and we will never promise an outcome. Start with a free inspection: call (832) 799-8409. Our storm damage page covers the repair side.
New for 2026: Texas Says Insurers Can't Judge Your Roof by Age Alone
In September 2026, the Texas Department of Insurance proposed a rule (28 TAC 21.1006) that would bar insurers from declining or refusing to renew your homeowners policy based on the age of your roof, wiring, plumbing, HVAC, or siding. The key word is proposed: it is not final yet. A public hearing is set for November 3, 2026, and TDI is taking written comments through November 9.
Here is what it means for you right now: an old roof alone is no longer supposed to be a reason to lose your coverage, but the roof's condition still counts. Insurers can still act on a roof that is actually in bad shape. That is exactly why a documented inspection matters. If your older roof is in good condition, having it on record protects you. We do free inspections across Sugar Land, Missouri City, and Stafford. Call (832) 799-8409.
New in Texas: Discounts for Stronger Roofs
In September 2026, the Texas Department of Insurance issued Bulletin B-0008-26, urging insurers to offer real discounts for FORTIFIED roofs and impact-resistant roofing. A few things worth knowing: the bulletin does not set the discount. Each insurer decides its own amount, so ask your agent what yours offers. And since November 2025, only work done by a FORTIFIED-certified roofer, documented by an independent evaluator, earns the FORTIFIED certificate. If you are weighing a roof that could lower your premium, call your agent first to find out what it is worth on your policy, then call us at (832) 799-8409 and we will help you compare your options, free.