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Filing a roof insurance claim, step by step.
The order you do things in decides how a Texas roof claim goes. Here is the path that actually works.
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Insurance claims
How a Texas roof insurance claim works, in order
File within your policy window, document the damage with dated photos, meet the adjuster with your own inspection report in hand, and understand ACV versus RCV before you sign anything. Getting a documented free inspection first makes the whole claim smoother.
1. Confirm you actually have damage
Before you call your insurer, get a free documented roof inspection. Filing a claim that gets denied still goes on your claims history, so you want to know there is real, storm related damage first.
2. Know your policy window and deductible
Most Texas insurers give you months to a year to file after a storm, but sooner is always better. Check whether you have a separate wind and hail deductible, since it is often a percentage of your home value rather than a flat amount.
3. Document everything
- Dated photos of the roof, gutters, vents and any interior stains
- The date of the storm that caused the damage
- Your inspector's photo report
- Receipts for any emergency repairs you had to make to stop further damage
4. File the claim and meet the adjuster
Once you file, the insurer sends an adjuster. Be present for that visit, and have your roofer or their photo report there too, so nothing on the roof gets missed or waved off.
5. Understand ACV versus RCV
A replacement cost value policy pays the full cost to replace your roof, usually in two parts, with the held back depreciation released after the work is done. An actual cash value policy pays only the depreciated value, so you cover the rest. Know which one you have before you agree to anything.
6. Your deductible is yours, by law
Under Texas law a contractor cannot pay, waive, absorb or rebate your insurance deductible. If a roofer offers to eat your deductible, they are breaking the law, and it is a sign to walk away.
We help you document a claim the right way. See insurance claim help, storm and hail damage, and what to do after a storm. Claim already denied? Read what to do when a roof claim is denied. Daniel Ali is a licensed and insured roofing contractor in Plano; the roof inspection is free, and so is the honest answer on roof repair versus roof replacement.
Common questions
Straight answers
Anything else, ask me directly. You will get me, not a phone tree.
Should I get a roof inspection before filing a claim?
Yes. A documented inspection tells you whether you have real storm damage, so you do not file a claim that gets denied and still lands on your record.
Does filing a roof claim raise my rates?
It can, and a denied claim still counts against your history, which is why confirming real damage first matters. A single approved storm claim is usually treated differently than repeated claims.
Can a roofer pay my deductible in Texas?
No. Texas law prohibits contractors from paying, waiving, absorbing or rebating your deductible. Any roofer offering to is acting illegally.
What is the difference between ACV and RCV?
Replacement cost value pays the full cost to replace your roof, with depreciation released after the work. Actual cash value pays only the depreciated amount, leaving you to cover the rest.
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