The Full Timeline at a Glance
Use this sequence to organize your records. The stages can overlap; ask your insurer for the dates and documents required for your claim.
| Timeframe | What to Do |
|---|---|
| When safe | Ensure safety, photograph all damage, make temporary repairs to prevent further loss |
| Report promptly | Review your policy (ACV vs. RCV, deductible type), open a claim with your insurer |
| Inspection arranged | Insurance adjuster inspection; have your documentation and a contractor available |
| Estimate received | Receive insurer's scope of loss; compare to your photos and get independent estimates |
| Discrepancies identified | Dispute any discrepancies in writing; negotiate scope if needed with documentation |
| Before repairs | Check contractor credentials and required permits; agree the repair scope |
| After completion | Submit proof of repairs to insurer; request release of RCV depreciation holdback (if applicable) |
| Ongoing | Keep all records — invoices, photos, correspondence — according to your policy, warranty and recordkeeping needs |
Phase 1: Safety and Damage Documentation
The actions you take immediately after a storm are as important as any paperwork you file later. Your insurer will ask when you discovered the damage, what you did to prevent further loss, and whether you documented the condition before making changes.
1. Prioritize safety before inspecting damage
Do not climb onto your roof immediately after a storm. Wet or damaged surfaces are dangerous. Look for structural damage, downed power lines, gas odors, or water near electrical panels from the ground. Call 911 if there is immediate danger. Contact your utility provider if you suspect a gas issue and evacuate the property.
2. Photograph everything before touching anything
This is the most important step of the entire process. Use your smartphone to document all visible damage — from the ground looking up at the roof, gutters, downspouts, siding, window screens, and the outdoor HVAC unit. Then go inside and photograph ceiling stains, wall damage, and wet insulation in the attic if safely accessible. The date and time embedded in photo metadata matters; do not edit or repost photos before submitting them.
3. Make temporary repairs to prevent further loss
Your policy typically requires you to take reasonable steps to prevent additional damage. Use qualified help for roof tarping or other unsafe work. Take only protective steps you can perform safely. Keep every receipt for materials and any hired emergency labor — ask your insurer whether these costs are covered. Photograph the temporary repairs as well.
Emergency documentation checklist
- ☑Storm date, time, and any official weather records or news coverage
- ☑All exterior damage visible from the ground (roof, gutters, siding, AC unit, windows, screens)
- ☑Interior water damage (ceiling stains, wet drywall, attic insulation)
- ☑Damage to personal property (furniture, electronics, stored items)
- ☑Photos of temporary repairs made, plus receipts for all materials
Phase 2: Understanding Your Policy Before You File
Before calling your insurer, spend 30 minutes reviewing your policy. This prevents surprises and helps you ask the right questions. Locate your declarations page — the one-to-two page summary listing your coverage amounts, deductibles, and policy type.
What to look for on your declarations page
- →Total dwelling coverage (Coverage A) — the maximum the policy pays to rebuild your home
- →Your deductible amount and type (see the deductible table below)
- →Whether your policy pays ACV or RCV — this determines how much you receive
- →The policy period — confirm it was in force on the date of the storm
- →Any exclusions relevant to your damage type (e.g., flood, wear-and-tear, improper maintenance)
ACV vs. RCV: The Payment Difference That Matters Most
Definitions
ACV (Actual Cash Value) — replacement cost minus depreciation for age and wear; subject to your policy terms.
RCV (Replacement Cost Value) — the full current cost to repair or replace damaged property with like materials at today's prices, regardless of the age of what was damaged.
| Feature | ACV — Actual Cash Value | RCV — Replacement Cost Value |
|---|---|---|
| What it pays | Depreciated value — what your property was worth before the loss | Full cost to repair or replace with like materials at current market prices |
| Depreciation | Subtracted from payout; older roofs receive less | May initially be withheld, then recoverable when policy conditions are met |
| Example (roof costs $18,000 to replace) | $18,000 − $7,200 depreciation = $10,800 gross, minus deductible | $18,000 minus deductible; depreciation holdback released after repairs complete |
| Number of payments | Payment structure depends on the claim | Initial ACV advance, then holdback released after you submit proof of completion |
| Premium impact | Compare the actual quoted premium | Compare the actual quoted premium |
The RCV two-payment process
With replacement-cost coverage, an initial payment may deduct depreciation, with an additional payment after repairs meet policy conditions. Ask your insurer what proof is required, what amount is recoverable and which completion deadline applies. Do not assume every policy allows the same repair period.
Understanding Your Deductible
Your deductible is the amount you pay out of pocket before insurance coverage begins. In Texas, many homeowner policies carry a separate and higher wind/hail deductible than the standard deductible — and many homeowners do not realize this until they file a claim.
| Deductible Type | How It Works | When It Applies |
|---|---|---|
| Standard deductible | Fixed dollar amount (e.g., $1,000–$5,000) | Most covered losses not involving wind or hail |
| Wind/hail deductible | Percentage of insured dwelling value (e.g., 1–2%); on a $300k home this can be $3,000–$6,000+ | Damage specifically caused by wind or hail — very common in Texas |
| Named storm deductible | Higher percentage (e.g., 2–5%), triggered only by declared named storms | Named tropical storms or hurricanes that affect your policy area |
Source: Texas Department of Insurance — tdi.texas.gov
Phase 3: Filing Your Claim (Days 3–10)
Report promptly and ask what information is needed. TDI describes decision deadlines that run from receipt of required information, not simply from the storm date. Extensions and different rules can apply, including for TWIA and surplus-lines insurers. Use TDI's current deadlines and exceptions and ask which rule governs your claim.
What to record when you call
- ☑Claim number
- ☑Name of the person you spoke with, and the date and time of the call
- ☑Name and direct contact information for your assigned adjuster
- ☑Any instructions given and their deadlines
- ☑Confirmation of the scheduled adjuster inspection date
From the moment you open the claim, document every communication in writing. Follow up phone calls with a brief email summarizing what was discussed and keep a copy.
Phase 4: The Adjuster Inspection (Weeks 1–3)
An insurance adjuster will inspect your property to assess the damage. This inspection is the insurer's primary basis for determining payment. The adjuster works for your insurer — not for you. How you prepare for this inspection directly affects your outcome.
Your rights during the inspection
- →Ask to have your contractor or an independent inspector present to explain observed damage
- →You are not required to have the adjuster inspect alone
- →You have the right to take your own photos and notes throughout the inspection
- →You are not required to agree to the adjuster's findings on the spot
Consider scheduling an independent roofing contractor inspection before or around the same time as the adjuster visit. Having a professional assessment from your own contractor gives you documentation to compare against the insurer's scope of loss. See the Roofing Help page and the Roof Insurance Claim Checklist for more on adjuster preparation.
What the adjuster looks for
Hail strikes leave circular impact marks or granule loss in defined patterns. Wind damage tends to produce lifted, creased, or missing shingles. The adjuster will also examine gutters, flashing, the HVAC condenser unit, skylights, and other exterior components. Walk them through every area of documented damage — do not assume they will find everything.
Phase 5: Reviewing the Insurance Estimate
After the inspection, your insurer produces a written estimate called the scope of loss. This document lists every item of damage they identified, the quantities, the unit prices, and the total payout. Review it line by line.
What to check in the scope of loss
- →Are all documented areas of damage included? Compare to your photos.
- →Are quantities correct — roof square footage, linear feet of gutters, etc.?
- →Are Texas building code upgrade costs (e.g., new underlayment requirements) included?
- →Is overhead and profit (O&P) included? Insurers sometimes omit this, but contractors factor it in.
- →Are unit prices consistent with current market rates in your area?
- →Is the depreciation calculation and holdback amount clearly explained?
You are not required to accept the first estimate. If damage was missed or undervalued, you may request a re-inspection or file a supplemental claim with supporting documentation. Visit the Insurance Claims page for a full overview of the claims process.
Phase 6: Contractor Estimates and Selection
Compare multiple written estimates from contractors whose qualifications and insurance you have checked. This helps you understand what the work should cost and provides documentation to support a supplemental claim if the insurer's estimate is insufficient.
What a contractor estimate must include
- ☑Contractor name, contact information, insurance and applicable trade credentials
- ☑Detailed scope of work — materials, quantities, and installation method
- ☑Brand and grade of materials (should match or exceed insurer's specification)
- ☑Labor and material costs itemized separately
- ☑Who is responsible for pulling the required permit
- ☑Project timeline and payment schedule
- ☑Both manufacturer warranty (materials) and workmanship warranty terms
TDLR does not administer a statewide roofing-contractor license. RCAT offers a voluntary credential; it is not a state license. Check insurance, references and local requirements, and verify regulated trades with the appropriate authority. Read RCAT's explanation.
⚠️ Contractor Fraud Warning — Read Before Signing Anything
Review these warning signs before signing a repair agreement:
| Red flag | Why it matters |
|---|---|
| Offering to waive or cover your deductible | TDI warns against deductible-waiver and rebate offers |
| Asking you to sign an Assignment of Benefits (AOB) | May transfer rights or authorize action; ask a qualified attorney to review the actual wording |
| Requesting large upfront payment before work starts | Do not assume a universal deposit percentage; review payment terms and avoid paying the entire bill before work |
| Pressuring you to sign before reviewing your insurance estimate | You need the insurer's scope of loss before committing to a contractor's scope |
| 'Storm chasers' from out of state | May complete work quickly then become unreachable for warranty claims or defect corrections |
| Claiming they'll 'handle everything with your insurance' | Repair estimates and claim representation are different roles; verify the authority of anyone offering representation |
Report contractor fraud to the Texas Department of Insurance: tdi.texas.gov or call 1-800-252-3439.
Communicate accurately and keep a record
Report what you observed and identify anything you do not know. Be truthful about prior repairs, roof condition and the timing of damage. Ask questions about coverage rather than guessing. Keep copies of submitted documents and written responses, and correct mistakes promptly.
Phase 7: Repairs, Completion, and Final Payment
6. Begin repairs with permits in place
Before work begins, ask the local building authority whether this job requires permits or inspections. Put responsibility for obtaining any required approvals in the written contract. Requirements depend on the location and work.
7. Document completed repairs
Take thorough before-and-after photos of the completed work. Collect the final invoice, warranty documentation, and any permit inspection records from your contractor. You will need these to claim recoverable depreciation from your insurer if you have RCV coverage.
8. Request RCV holdback release
Submit the required repair documentation and ask your insurer to confirm receipt and explain the remaining payment calculation. Check the deadline in your policy; do not rely on an assumed processing window.
When Your Claim Goes Wrong
If damage was missed or underpaid
Request a re-inspection in writing and submit a supplemental claim with your contractor's estimate and supporting photos. Be specific about what was missed and cite the storm as the cause. Ask which response deadline applies to the additional information or supplemental request.
If your claim is denied
Request the denial and its policy basis in writing. Send relevant supporting documents if you seek reconsideration. Appraisal generally concerns the amount of loss rather than deciding whether coverage exists; ask about the applicable procedure. A qualified attorney can advise on legal disputes, and TDI provides a complaint process.
If the insurer misses statutory response deadlines
Record the dates, documents submitted and responses received. Ask the insurer to explain any extension. Contact TDI or a qualified attorney if you need help determining whether a deadline was missed and what remedies apply.
When to Ask for Professional Help
Most homeowners handle straightforward claims without outside assistance. Consider consulting a professional in these situations:
- →Claim involves damage over $25,000 and you are uncertain whether the estimate is fair
- →Your claim was partially or fully denied and you believe the denial is incorrect
- →Your insurer is not responding within the statutory timeframes
- →There is a significant gap between the insurer's estimate and your contractor's estimate
- →You are being pressured to accept a settlement quickly
- →Your property suffered damage in a declared federal or state disaster area
A licensed Texas public adjuster can represent your interests in the claim process — this is a distinct licensed profession separate from a contractor. If you believe your legal rights are being violated, consult a licensed Texas attorney who handles insurance disputes. Texas Property Help provides information and referrals only — see the disclaimer below.
Related Resources on Texas Property Help
- →Storm Damage Help — Immediate steps for any type of storm damage
- →Roofing Help — Inspections, repairs, replacements, and what to ask contractors
- →Insurance Claims Overview — The general claims process and your rights as a Texas homeowner
- →Roof Insurance Claim Checklist — A printable checklist covering every stage of the claim
- →Request Help — Submit your situation — we'll connect you with appropriate resources
Sources reviewed
- TDI home insurance guide and deadline exceptions
- TDI steps in claim handling and payments
- TDI contractor and public-adjuster roles
- RCAT voluntary roofing credentials
Disclaimer: Texas Property Help is a homeowner information and referral platform. We are not an insurance company, insurance agent, public adjuster, contractor, law firm, or lender. Nothing in this guide constitutes legal, insurance, or financial advice. All insurance coverage decisions are made solely by your insurance company. For formal claims representation, consult a licensed Texas public adjuster. For legal questions about your policy or a dispute, consult a licensed Texas attorney. Check the relevant authority for each regulated trade and local permit requirements.
Need help navigating your specific situation?
Every claim is different. Submit a request through Texas Property Help to ask about available assistance; a match is not guaranteed.