How to File a Roof Insurance Claim in Texas
· 2 min read · Yoseph Sotomayor
To file a roof insurance claim in Texas, document the damage, get a professional roof inspection, report the claim to your insurer, meet their adjuster on the roof, and follow up on anything the first estimate missed.
This guide walks through each step. It is written with input from Yoseph Sotomayor, owner of Home Quality Solutions and an independent licensed insurance adjuster, Texas License #3224509.
Get a free roof inspection
We inspect your roof at no cost and give you a written price.
Step 1: Document the damage right away
Write down the storm date. Take photos from the ground of the roof, gutters, siding, fences and cars. Save any hail you find next to a coin or ruler for scale.
If water is coming in, photograph the ceiling and protect your belongings. Do not climb on the roof yourself.
Step 2: Call us before you call the insurer
Get a free roof inspection first. You will know what damage is actually there before you open a claim. If there is no real storm damage, you avoid a claim on your record for nothing.
If there is damage, we photograph every hit and measure the roof. That documentation is ready when the insurer's adjuster comes out.
Do not wait too long. Policies have deadlines for reporting damage, so report promptly once you know.
Step 3: Report the claim
Call your insurer or use their app. Give the storm date and a short description. Write down your claim number and the adjuster's name.
Step 4: The adjuster meeting
The insurance company sends its own adjuster to inspect the roof. We can be there for that inspection to point out the damage we documented.
Yoseph has worked as an adjuster, so he knows how carriers inspect a roof and what they look for. That makes the meeting cleaner and reduces surprises.
Step 5: Review the estimate and supplements
The insurer sends a written estimate. Compare it with what is on your roof. Adjusters sometimes miss items like drip edge, flashing, vents or extra layers.
When items are missing, a supplement asks the insurer to review and add them, with photos and measurements. We prepare that documentation for you.
You pay your deductible. The policy pays the approved amount.
What to do if your claim is denied
- Ask for the denial in writing, with the reason and the policy language they used.
- Request a reinspection if you believe damage was missed. Share your inspection photos.
- Check your policy for an appraisal clause. It is a way to settle disagreements about the amount of loss. Yoseph also runs Clarity Appraisal Group.
- You can file a complaint with the Texas Department of Insurance if you think the claim was handled unfairly.
Frequently asked questions
Should I call a roofer or my insurance company first?
Get a free roof inspection first so you know whether real storm damage is there. Then report the claim promptly.
How long do I have to file a roof claim in Texas?
It depends on your policy, which sets its own reporting deadline. Read your policy and report promptly after a storm.
What is a supplement?
A supplement asks the insurer to review and add items the first estimate missed, backed by photos and measurements.
Do I still pay a deductible?
Yes. You pay your deductible and the policy pays the approved amount.
