How to File a Roof Insurance Claim in Texas (Homeowner's Guide)

If a storm hit your Katy home, your homeowners policy may cover a roof repair or full replacement — with you paying only your deductible. Here's the plain-English version.

Step 1: Get the roof documented first

Before you call your insurer, get a free inspection so you have photos and a written record. A documented inspection is what supports your claim.

Step 2: Check your deadline

Texas insurers set a window for filing storm claims — often within a year of the date of loss, sometimes less. The sooner you file, the easier it is to tie the damage to a specific storm.

Step 3: File the claim with your insurer

Contact your insurance company (not the roofer — a roofer can't file or negotiate the claim for you under Texas law). Give them the storm date and your documentation. They'll assign an adjuster.

Step 4: Meet the adjuster on-site

Have your roofer present to walk the roof and point out storm-related damage so nothing is missed. The insurer makes the final coverage decision.

Step 5: Review the scope and get the work done

If approved, you'll receive a scope of work and payment (usually minus your deductible). Then your roofer schedules the job — most roofs are installed in one to two days.

Important notes

• You are responsible for your deductible. In Texas it's illegal for a roofer to waive or absorb it.
• Roofers can't act as public adjusters. A reputable roofer documents damage and works alongside your adjuster, but does not negotiate the claim.
• Keep records of everything — photos, claim number, adjuster notes.

Start with a free, documented roof inspection so you know where you stand before you file.