The Truth About Storm Damage Insurance Claims in Texas

Introduction

Texas storms don’t just rattle windows—they wreak havoc on roofs. If your home or commercial building has been hit by hail, high winds, or fallen debris, you may be wondering if your insurance will cover the damage. The truth is, while many policies offer protection, getting approved and fully compensated isn’t always straightforward. This guide will help you understand the storm claim process in Texas and how to avoid the mistakes that delay or reduce payouts.

What Types of Storm Damage Are Typically Covered?

Most homeowners and commercial property policies cover damage from:

• Hail impacts causing cracked shingles, bruising, or leaks

• Wind damage such as lifted or missing shingles, flashing displacement, or torn membranes

• Fallen tree limbs or debris damaging the roof surface or structure

• Water intrusion caused by storm-compromised roofing components

Important: Flooding from rising water is usually not covered under standard property insurance. That requires separate flood insurance.

Common Mistakes That Delay or Deny Claims

1. Waiting Too Long to File
   Texas policies often have strict claim windows. Waiting too long can result in denial—even if damage is obvious.

2. Not Documenting Damage
   Insurers require clear visual proof. Without photos or inspection reports, they may minimize or reject your claim.

3. Using an Unlicensed Contractor
   Some insurers won’t honor work completed by contractors who aren’t fully licensed and insured in Texas.

4. Filing Without a Professional Inspection
   Many property owners file claims on their own, missing key damage areas. This often leads to underpayment or denial.

How the Insurance Claim Process Works in Texas

1. Roof Inspection
   A licensed contractor inspects the damage and prepares documentation for your claim.

2. File Your Claim
   You submit the claim to your insurance provider with all inspection reports, photos, and a recommended scope of work.

3. Insurance Adjuster Visit
   The insurer sends an adjuster to assess the damage and verify your claim.

4. Approval & Payout
   If approved, you receive a payment (often in stages) based on the insurer’s estimate.

5. Repairs Begin
   Once funding is confirmed, your contractor starts repairs or full replacement based on the approved scope.

Do You Need a Roofing Contractor Before Filing?

Yes—always.
Insurance adjusters don’t always catch hidden or long-term damage. By working with a qualified roofing company first, you’ll receive:

• A detailed, photo-documented inspection

• A written estimate tailored to insurance standards

• Professional guidance during the adjuster’s visit

• Help negotiating scope and payout if needed

Why Work With Integris Roofing + Construction?

We’ve helped hundreds of Texas homeowners and property managers get the full value they deserve from storm damage claims. Our team understands how to speak the insurer’s language—and how to protect yours.

We provide:

• Free, no-obligation storm damage inspections

• Full documentation to support your claim

• Licensed, insured, and experienced Texas roofing experts

• End-to-end project management from claim to completion