If your roof has been damaged by hail, wind, or a storm, you’re likely wondering: What’s next? The insurance claim process can be confusing, and many homeowners don’t know where to start. That’s why we’ve put together this step-by-step guide to help you understand how to file a claim, what to expect, and how to ensure you get the coverage you deserve.

How Long Do I Have to File a Roofing Insurance Claim?

Most homeowners insurance policies allow up to one year to file a claim for storm damage. However, some policies may have shorter deadlines (as little as six months) depending on your provider. It’s crucial to check your policy and act quickly—waiting too long could result in a denied claim.

Why File ASAP?

• Damage gets worse over time. A minor leak today can turn into costly interior damage.
• Insurance companies may question delayed claims. If you wait too long, they might argue the damage was due to neglect rather than the storm.
• Storms don’t leave permanent records. The longer you wait, the harder it is to prove that a storm caused the damage.

What You Need to File a Roof Insurance Claim

Before you call your insurance company, make sure you have:

✅ A Professional Roof Inspection – Your insurance adjuster will inspect the damage, but having a professional roofing contractor’s assessment ensures that nothing is overlooked.
✅ Date of Damage – Insurance companies will ask when the damage occurred. A storm history report (which we can help provide) can verify this.
✅ Photo Evidence – Take clear pictures of the damage, both close-up and from a distance. If possible, include “before” photos to compare.
✅ Insurance Policy Details – Know what your policy covers, your deductible, and whether you have Replacement Cost Value (RCV) or Actual Cash Value (ACV) coverage.

Step-by-Step Process for Filing a Roofing Insurance Claim

Step 1: Get a Professional Roof Inspection

Your first call should be to a trusted local roofing company (like us! 😉) to assess the damage. A professional roofer will provide a detailed report and guide you through the claims process.

Step 2: Contact Your Insurance Company

Call your provider and report the damage. Be prepared to:
📞 Provide the date of the storm
📸 Submit photos and documentation
📑 Request an adjuster appointment

Step 3: Insurance Adjuster Inspection

Your insurance company will send an adjuster to inspect your roof. Having your roofing contractor present ensures that all damage is documented correctly.

Step 4: Claim Approval & Settlement

Once the adjuster submits their report, you’ll receive an approval or denial. If approved, you’ll get a claim settlement outlining what they’ll cover.

Step 5: Roof Repair or Replacement Begins

After receiving your insurance payout, your roofing contractor will begin work. If you have RCV coverage, you may receive a second check after the work is completed.

Step 6: Final Inspection & Payment

Once the job is done, we’ll complete a final walkthrough to ensure everything meets our quality standards. Then, you submit proof of completion to your insurance provider to finalize any remaining payments.

What If My Claim Is Denied?

If your claim is denied, don’t panic! You have options:
🚨 Request a reinspection – If you believe the adjuster missed something, you can ask for a second opinion.
🔍 Hire a public adjuster – A third-party adjuster can review your case and negotiate with your insurance company.
🏗️ Explore financing options – If insurance won’t cover the cost, we offer affordable financing plans to get your roof fixed ASAP.

We’re Here to Help! Call for a Free Inspection Today

Navigating insurance claims can be overwhelming, but you don’t have to do it alone. At Texas Roofing & Home Improvements, we’re insurance claim experts who fight to ensure homeowners get the coverage they deserve.

📞 Call us today at 210-379-1307
📩 Message us on Facebook
💻 Visit wearetexasroofing.com

Let’s get your roof back in top shape—the right way! ✅🏡💪

As a homeowner, it’s important to understand the potential effects of extreme weather on your roof. While roofs are designed to withstand a variety of weather conditions, prolonged exposure to harsh elements can result in serious damage that can compromise the integrity of your roof. Here, we’ll discuss some of the most common types of weather damage, how to properly assess any damages, and what steps you can take to protect your roof.

Wind Damage
Strong winds can lift shingles, tiles, and other roofing materials, exposing the underlying roof deck to moisture and other weather elements. This can lead to leaks, water damage, and other issues. Assessing wind damage can be tricky, as it may not always be visible from the ground. If you suspect wind damage, it’s important to have a professional roofer inspect your roof for any signs of damage.

Hail Damage
Hail can also cause significant damage to your roof, particularly if the hailstones are large or the storm is particularly intense. Hail can dent or crack shingles, puncture the roof deck, and damage flashing and other roof accessories. Again, it’s important to have a professional inspect your roof for any signs of hail damage, as it may not always be visible from the ground.

Rain Damage
Rain damage is one of the most common types of damage that can occur to a roof. During the rainy season, which is generally May through October in South Texas, it is important to be aware of the potential damage that rain can cause to your roof. When it comes to rain damage, prevention is key. Here are some of the ways that rain can damage your roof, and how you can prevent it:

1. Leaks: One of the most common types of rain damage is leaks. Heavy rain can cause leaks in your roof, which can lead to water damage inside your home. It is important to check your roof regularly for leaks, and to have them repaired as soon as possible to prevent further damage.
2. Roofing material damage: Heavy rain can cause damage to your roofing material, particularly if it is made of wood or asphalt shingles. The rain can cause the wood to rot, and the shingles to become loose or even fall off. Metal roofs are more resistant to this type of damage, but they are not immune to it.
3. Gutters: Your gutters play a crucial role in directing rainwater away from your roof and home. Heavy rain can cause your gutters to become clogged with debris, which can lead to water damage on your roof and in your home. It is important to clean your gutters regularly, particularly during the rainy season.
4. Flashing: The flashing on your roof is designed to prevent water from seeping in through the roof’s joints and edges. Heavy rain can cause the flashing to become loose or damaged, which can lead to leaks and water damage.

Prevention is key when it comes to rain damage. Regular roof inspections and maintenance can help prevent rain damage from occurring. If you do notice any damage, it is important to have it repaired as soon as possible to prevent further damage from occurring. Additionally, it is important to make sure that your gutters are clean and in good working order, and that your flashing is intact and in good condition. By taking these steps, you can help protect your roof and home from the damaging effects of rain.

If you suspect weather damage, contact Texas Roofing today and we can get you on the right track.

When a fire breaks out, the first thing you should do is contact the fire department. Once the fire is under control, you can begin assessing the fire damage. The extent of the damage will depend on several factors, such as the intensity of the fire, the materials used in the construction of your roof, and the time it took to extinguish the fire.

Here are the steps to follow when assessing your roof after a fire:

1. Inspect the Exterior of Your Roof

Start by inspecting the exterior of your roof. Look for signs of damage, such as melted or missing shingles, warped or buckled roofing materials, or damage to the chimney or vents. Check for signs of water damage, as the water used to extinguish the fire may have penetrated your roof and caused additional damage.

2. Inspect the Interior of Your Roof

Next, inspect the interior of your roof. Look for signs of damage, such as charred or blackened rafters or insulation. Check for signs of water damage, as water may have seeped through the roof and caused additional damage.

3. Call a Professional Roofer

After assessing the damage to your roof, you should call a professional roofer to conduct a more thorough inspection. A roofer, like Texas Roofing & Home Improvements, can identify any hidden damage and provide you with an estimate for repairs or replacement.

4. Contact Your Insurance Company

If you have homeowners insurance, contact your insurance company to file a claim for the damage. Provide them with a detailed description of the damage and any estimates you have received from professional roofers.

5. Repair or Replace Your Roof

Once you have received an estimate from a professional roofer and your insurance company has approved your claim, you can begin the process of repairing or replacing your roof. Work with a reputable roofer, like Texas Roofing & Home Improvements, to ensure that the job is done correctly and to avoid future problems.

In conclusion, assessing roof fire damage is crucial after a fire. By following these steps, you can identify any damage to your roof and take steps to repair or replace it as necessary. Texas Roofing has been fighting to get you the most from your insurance for three generations, please contact us today so we can begin the fight for you.

Your roof is an essential part of your home, protecting you and your family from the elements. However, over time, your roof can become damaged due to a variety of causes. In this article, we will discuss the top 5 causes of roof damage and how you can avoid them to keep your roof in top condition.

1. Poor Installation
   One of the most common causes of roof damage is poor installation. If your roof is not installed correctly, it can lead to a range of problems, including leaks and water damage. To avoid this, make sure you choose a reputable roofing contractor like Texas Roofing with a proven track record of quality installations.
   
   
2. Weather Conditions
   Extreme weather conditions like heavy rain, snow, hail, and high winds can cause significant damage to your roof. While you can’t control the weather, you can take steps to prepare your roof for these conditions. Regular maintenance, including inspections and repairs, can help prevent weather-related damage.
   
   
3. Lack of Maintenance
   Regular maintenance is a crucial aspect of ensuring that your roof remains in good condition for years to come. Over time, your roof is exposed to various elements such as sun, wind, rain, and snow, which can cause wear and tear. If you neglect to maintain your roof, it can lead to a buildup of debris and damage to your shingles, which can result in leaks and other issues.
   
   To keep your roof in top condition, it is important to schedule regular inspections and cleanings. During inspections, roofing professionals can identify any issues with your roof, such as missing or damaged shingles, cracked flashings, or areas with excessive wear and tear. Early detection of such issues can save you money on costly repairs in the long run.
   
   Cleaning your roof regularly is also essential. Debris such as leaves, twigs, and branches can accumulate on your roof and clog gutters and downspouts, which can cause water to back up and damage your roof. Regular cleaning helps to prevent such issues and ensures that your roof remains in top condition.
   
   Another aspect of roof maintenance is to ensure proper ventilation. Poor ventilation can cause a buildup of heat and moisture in your attic, which can lead to damage to your shingles, insulation, and other roofing materials. A roofing professional can inspect your attic and roof ventilation system to ensure that it is working properly and make any necessary adjustments.
   
   
4. Tree Damage
   Trees can provide shade and beauty to your property, but they can also cause significant damage to your roof. Falling branches or debris can damage your shingles or puncture your roof, leading to leaks and other issues. Trim any trees near your roof regularly to avoid damage.
   
   
5. Aging
   Over time, even the best-built roofs will age and deteriorate. The older your roof gets, the more susceptible it becomes to damage from weather, lack of maintenance, and other factors. If your roof is reaching the end of its lifespan, consider having it replaced by Texas Roofing to avoid potential problems.
   

In conclusion, taking steps to avoid these top 5 causes of roof damage can help keep your roof in excellent condition for years to come. If you suspect that your roof has been damaged, contact Texas Roofing for a professional inspection and repairs.