Roofing & Storm Damage:
Questions Texas Homeowners Ask
Practical answers to the most common questions about hail damage, insurance claims, contractors, and repair financing in Texas.
Q1.After hail — call the insurance company or the roofer first?
Stay safe, photograph visible damage, and notify your insurer promptly. A contractor can document repair needs, but waiting for an inspection should not delay reporting. Keep temporary-repair receipts.
Q2.How long do I have to file a claim after a hail storm in Texas?
Check your policy and ask your insurer for the applicable reporting deadline. Do not assume every Texas policy allows 365 days. Report damage promptly and keep a dated record of your notice.
Q3.Should I file a claim if the damage looks minor?
Compare the documented damage, deductible and policy terms. Appearance alone does not determine coverage. Ask your insurer about the claim process; there is no universal percentage increase in premiums after a claim.
Q4.The insurance company approved only part of my claim. What can I do?
Ask your insurer for its explanation and provide photographs and itemized repair estimates. A roofer can explain repair work but cannot act as your public adjuster on property it repairs. Seek qualified help for unresolved disputes.
Q5.My roof is over 15 years old — will insurance still cover it?
Age alone does not answer this. Review the roof endorsement, exclusions and payment schedule. Actual cash value subtracts depreciation; replacement-cost coverage has its own terms. Ask your insurer to explain your coverage in writing.
Q6.What are storm chasers and should I work with them?
Verify the business, insurance, references and written scope before hiring. Texas does not issue a statewide roofing contractor license; RCAT licensing is voluntary. Check applicable local requirements and do not rely on a claimed state roofing license.
Q7.My insurer says the damage is from wear and tear, not hail. What do I do?
Ask for the written explanation and submit evidence of the damage. Discuss differences with the insurer. Appraisal may address valuation under policy terms; it does not automatically resolve whether a loss is covered.
Q8.My insurance company dropped me after a claim (non-renewed). What now?
Read the notice and ask the insurer or TDI about the reason and applicable protections. Nonrenewal rules depend on the circumstances. Contact an agent about replacement coverage before your policy ends.
Q9.Are Class 4 impact-resistant shingles worth the extra cost in Texas?
Ask your insurer which products qualify and obtain the actual discount in writing. Compare installation quotes, warranty terms and coverage exclusions. A Class 4 rating does not guarantee a fixed discount or prevent all storm damage.
Q10.Should I sign an Assignment of Benefits (AOB) agreement?
Do not sign an agreement you do not understand. Ask an attorney to explain any assignment, payment authorization or transfer of rights before signing. A repair estimate and a transfer of insurance rights are different documents.
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