Hail storms hit the Houston area hard — and the insurance claim process after a hailstorm is where many Texas homeowners leave thousands of dollars on the table. Here's exactly what to do from the moment the storm passes.
Before calling your insurance company or letting any contractor on your roof, photograph your property thoroughly. Take photos of your roof from the ground, any visible damaged shingles, gutters, downspouts, AC units, window screens, siding, and vehicles. Date-stamp everything. This documentation is critical — insurance adjusters work for the insurance company, and the more evidence you have, the stronger your claim. If you can do it safely, drone footage of the roof is ideal.
This is the step most Texas homeowners skip — and it's a costly mistake. A reputable local roofer can inspect your roof first, document the damage professionally, and be present during the adjuster's inspection. Insurance adjusters sometimes minimize damage or miss items. Having a contractor present means someone is advocating for a complete scope of repair. Fulshear Roof Repair offers free post-storm inspections — call (281) 612-4455 to schedule yours before you file your claim.
Texas homeowner policies typically require you to file claims within a reasonable time of the loss — some policies have specific windows. File as soon as possible after the storm. You'll need: your policy number, date of loss, description of damage, and any photos you've collected. Most major insurers have online or app-based claim filing now. You'll receive a claim number and an adjuster will be assigned.
Texas homeowner policies typically cover hail damage to roofing, but the devil is in the depreciation. "Replacement Cost Value" (RCV) policies pay for a new roof after your deductible. "Actual Cash Value" (ACV) policies depreciate the payout based on roof age — a 15-year-old roof might only get 40–50% of replacement cost. Know which type you have before the adjuster arrives. Also note: most Texas policies now have separate, higher deductibles specifically for wind and hail (often 1–2% of your home's insured value).
If the adjuster's estimate doesn't match your contractor's scope, you have the right to dispute it. A public adjuster or your roofing contractor can submit a supplemental claim for missed items. Insurers in Texas are legally required to respond to supplements within specific timeframes under the Texas Prompt Payment of Claims Act. Don't accept the first number if your contractor's scope is materially different.
Fulshear Roof Repair assists Fulshear and Houston-area homeowners through the entire insurance claim process, from inspection to final installation. Call (281) 612-4455 for a free hail damage inspection.
Fulshear Roof Repair — serving Fulshear, TX and surrounding areas.
Call (281) 612-4455Most Texas homeowner policies require you to file within one year of the date of loss, but some policies are shorter. File as soon as possible — delays can give insurers grounds to deny or reduce claims. Check your policy's 'duties after loss' section for the exact timeframe.
A single weather-related claim (hail, wind) typically doesn't raise your rates as dramatically as a liability or water damage claim. However, multiple claims in a short period can affect your rate or insurability. Check with your agent before filing minor claims, but significant hail damage warrants filing.
A reputable roofing contractor can document damage, provide a repair estimate that matches insurance scope, and be present during the adjuster's inspection. Fulshear Roof Repair assists customers through this process at no additional charge. Call (281) 612-4455.