Roof insurance claim basics (Texas)

This page is general information, not legal or insurance advice. Your policy and your insurance company decide what is covered.

Steps most homeowners take

• Take dated photos of the damage and any debris right after the storm.
• Read your policy for deadlines to report damage, and report it to your insurer.
• Make temporary repairs to stop more damage (a tarp, a bucket) and keep the receipts.
• Get a written repair estimate from a roofer.

Texas rules worth knowing

The Texas Department of Insurance explains these rules:

• A contractor cannot offer to "waive, rebate, or absorb" your deductible.
• For contracts of $1,000 or more paid through insurance, the contract must say you are responsible for the deductible, and your insurer may ask for proof you paid it.
• A roofer cannot act as your public adjuster on a job they are also doing, or negotiate your claim for you.

Questions about a claim: Texas Department of Insurance, 800-252-3439.

When you're ready for an estimate, send the request on this page and a local roofer will contact you.