📍 Houston, Texas
Houston Storm Damage Help —
Free, Fast, and Pressure-Free
Houston homeowners face hail, hurricanes, flooding, and brutal HVAC demand year-round. Texas Property Help connects you with vetted, TDLR-licensed contractors and free insurance claim guidance — no commissions, no pressure. Bilingual English & Spanish service.
#1
Most storm-impacted major U.S. city by insurance losses
$125B
Hurricane Harvey damage in the Houston area (2017)
40%+
Houston residents who speak Spanish at home
Free
To submit a homeowner request — no cost, no pressure
Why Houston Homeowners Face a Unique Storm Risk
Houston sits at the intersection of Gulf Coast hurricane exposure and North Texas hail corridor — making it one of the most storm-damaged metro areas in the United States. The Greater Houston area averages more than 50 hail events per year. The Gulf Coast location means tropical storms and hurricanes arrive with little warning. And the city's bayou-laced geography means flooding can occur even miles from the coast.
After Hurricane Harvey in 2017 — which dropped more than 60 inches of rain on the Houston area and caused over $125 billion in damage — tens of thousands of homeowners discovered gaps in their coverage they didn't know existed. Standard homeowners policies do not cover flood damage. TWIA windstorm coverage gaps left coastal homeowners without payouts. Unlicensed "storm chaser" contractors flooded the area and disappeared with deposits.
Texas Property Help was built to prevent exactly these situations — connecting Houston homeowners with accurate information, verified contractors, and claim guidance before costly mistakes happen.
Storm Damage Types in Houston — What's Covered and What Isn't
Understanding your coverage before a storm is the difference between a full payout and a denied claim.
Hurricane & Tropical Storm Damage
Wind damage from hurricanes is typically covered under standard homeowners policies — but storm surge flooding is not. If you're in a coastal Harris County or Galveston County area, you may need a separate TWIA windstorm policy. Verify your coverage now, not after the storm.
Flood Damage
Houston's flat terrain and extensive bayou system make flooding a year-round risk, not just a hurricane risk. Standard homeowners insurance does NOT cover flood damage. You need a separate NFIP policy through FloodSmart.gov or a private flood insurer. This gap devastated thousands of Harvey victims.
Hail Damage
Houston averages 50+ hail events per year. Hail damages roofs, gutters, siding, and HVAC condenser units — often without visible damage from the ground. Most standard policies cover hail, but your wind/hail deductible applies first (typically 1–3% of your home's insured value, or $3,000–$9,000 on a $300K home).
HVAC Storm Damage
Outdoor HVAC condenser units are frequently damaged by hail and storm debris — and frequently overlooked when filing claims. This damage is typically covered under your dwelling or other-structures coverage. Inspect your outdoor unit after every significant storm and document damage promptly.
How Texas Property Help Works for Houston Homeowners
No pressure. No middlemen. No cost to you.
Hurricane & Storm Damage
We help you document damage correctly before your insurer's adjuster arrives, connect you with licensed restoration contractors, and walk you through your coverage options — including TWIA and flood policy issues specific to Houston.
🏠Roofing Help
From post-storm emergency tarping to full roof replacement — we connect you with TDLR-licensed roofing professionals who know Harris County permit requirements and can deliver written estimates before you sign anything.
❄️HVAC Help
Houston summers demand reliable AC. Emergency repairs, storm-damaged condenser unit assessment, and system replacement options. We help you determine if damage is insurance-covered before you pay out of pocket.
📋Insurance Claim Help
Step-by-step guidance from filing your claim to reviewing the settlement — including ACV vs. RCV policy differences, supplemental claims, and what to do if your adjuster underpays or denies your claim.
Avoid Storm Chaser Contractors in Houston
After every major storm, Houston is flooded with out-of-town contractors — crews who arrive quickly, pressure homeowners into signing contracts, collect deposits, and disappear before the warranty work is needed. These "storm chasers" caused billions in unresolved claims and shoddy repairs after Hurricane Harvey.
Texas law requires roofing contractors to hold an active TDLR license. Verify any contractor at license.tdlr.texas.gov before signing anything.
⚠️ Red Flags — Walk Away From Any Contractor Who:
- ✗Offers to waive or rebate your deductible — this is illegal under Texas law
- ✗Asks you to sign an Assignment of Benefits (AOB) before your claim is filed
- ✗Cannot provide a TDLR license number or local business address
- ✗Uses high-pressure same-day tactics with no written estimate
- ✗Cannot show proof of general liability insurance and workers' compensation
- ✗Asks for a large cash deposit before any work is permitted or scheduled
Texas Property Help only connects Houston homeowners with pre-vetted, TDLR-licensed contractors with verified local presence, active insurance, and documented track records in the Houston metro area.
Houston Metro Areas We Serve
Covering Harris County and all surrounding counties
Houston Homeowner Resource
Hail Damage in Houston, TX — What Homeowners Need to Know
Step-by-step guide covering inspection, documentation, insurance filing, and contractor selection for Houston hail events.
Houston Homeowner Questions — Answered
Houston Homeowner? Get Help Now.
Storm damage, roofing, HVAC, or insurance questions — submit your request and we'll connect you with vetted, TDLR-licensed contractors and free guidance in the Houston area. Takes 2 minutes. Always free.