Roof Insurance Claims in Texas – What to Expect
From Inspection to Approval – We Make the Process Simple and Legal
Storm damage is stressful—but dealing with your roof insurance claim doesn’t have to be. At Texas Professional Roofing, we guide you through every step: from free inspections to final approval and restoration. Whether it’s hail, high wind, or storm-related damage, we’re your advocate through the insurance process—making sure you’re treated fairly and your roof is restored correctl
To ensure the insurance process runs smoothly and to maximize your reimbursement, follow these key.
Step 1
Free Roof Inspection
We start with a no-cost, no-obligation inspection of your roof and surrounding property. Our trained experts carefully examine the shingles, flashing, vents, gutters, and attic (if needed) to identify any storm, hail, or wind damage. All findings are documented with high-resolution photos and a written report, which you can use when filing your claim.
Step 2
File Your Insurance Claim
If we confirm damage, we’ll help you through the process of filing your claim. That includes providing documentation, walking you through the call to your insurance company, and helping you describe the damage clearly and correctly. If needed, we’ll stay involved in communications with your insurer to help move the process along smoothly.
Step 3
Adjuster Visit
Once your claim is submitted, your insurance company will send an adjuster to assess the damage in person. We coordinate with the adjuster and meet them on-site to ensure all areas of damage are inspected thoroughly. Our job is to be your advocate—making sure nothing is missed or underestimated during their visit.
Step 4
Review Your Claim Summary
After the adjuster’s visit, you’ll receive a Scope of Loss from the insurance company, outlining what they’re covering. We’ll review it with you, line by line, to make sure it includes everything needed. If anything is missing or undervalued—like code upgrades or material costs—we’ll request a supplement to get it corrected before work begins.
Step 5
Roof Replacement or Repairs
Once your claim is approved and funding is in place, we get started on your roof. We schedule the project, order materials, and begin repairs or full replacement based on the approved scope. Our crews use quality materials and follow Texas building codes and manufacturer specs to ensure a strong, long-lasting roof.
Step 6
Final Inspection & Closing the Claim
After the work is complete, we do a final walkthrough with you to make sure everything looks great. We take after-photos and submit the final documentation to your insurer. Once your deductible is paid, the insurance company will release any remaining funds, and your claim is officially closed—with your new roof fully in place.
Understanding Your Insurance Deductible
Your deductible is the portion of the repair cost you must pay out-of-pocket. It’s usually a fixed dollar amount (e.g., $1,000) or a percentage (1–2%) of your home’s insured value.
Example: If your home is insured for $250,000 with a 1% deductible, you’ll owe $2,500.
No. It’s illegal in Texas.
Per House Bill 2102, roofing companies cannot waive, rebate, or absorb your deductible.
“It is unlawful for a contractor to pay, waive, absorb, or rebate an insurance deductible.” – Texas HB 2102
We comply with the law, protect our clients from liability, and ensure your claim is handled honestly and legally.
Ways to Offset Your Deductible
We understand a roof replacement can be a big investment. That’s why are a few options that may help reduce your out-of-pocket costs:
This credit can be applied directly toward your insurance deductible as a thank-you for helping promote our business.
If your insurance claim includes additional allowances—such as for damaged gutters, garage doors, or window screens—and you choose not to repair those items immediately, those unused funds can often be applied toward your deductible.
We’ll work with you to ensure everything is documented properly and transparently so your insurance provider receives a correct and honest final invoice.
We offer a marketing fee or referral credit when you allow us to:
- Place a yard sign during and after your roof install
- Use before-and-after project photos
- List your neighborhood or home style as a reference
Major Insurance Carriers in Texas – What You Should Know
We work with all major Texas homeowners insurance providers. Here’s what you can expect with some of the most common:
| Carrier | File a Claim | Common Issues |
| State Farm | Claim Center | Often underestimates hail damage or requires documentation on older roofs. |
| Allstate | File a Claim | Can push for partial repairs instead of full replacements. |
| USAA | Start Claim | Reliable overall; may delay processing after major storms. |
| Farmers | Claims Center | May not cover cosmetic damage on metal roofing. |
| Liberty Mutual | Start a Claim | Commonly questions damage related to aging. |
| Travelers | File Here | Can experience delays during high-volume storm seasons. |
| Progressive (via partners) | Home Claims | Often uses third-party adjusters; follow-ups may take longer. |
Helpful Resources for Texas Homeowners
- Texas Department of Insurance
- NAIC: Homeowners Insurance Basics
- Storm Recovery Tips (TDI PDF)
Why Choose Texas Professional Roofing?
- Licensed & Insured Local Experts
- Turn-Key Roofing + Insurance Assistance
- Storm Damage Specialists
- Fully Compliant with Texas Law
- 100s of Successful Insurance Projects Across Texas
Schedule Your Free Roof Inspection Today
Your roof deserves professional care and legal protection. Let’s handle your insurance claim the right way—from start to finish.
Call now or Book Your Free Inspection online.
