Storm Damage Help for
Texas Homeowners
Hail, high winds, and severe weather can cause serious damage to your home. Knowing what steps to take — quickly and in the right order — protects your property and your insurance claim.
What We Cover
Types of Storm Damage We Help With
Hail Damage
Hail can damage roofing, gutters, siding, windows, HVAC units. Damage may not be visible from the ground.
Wind Damage
High winds can lift shingles, damage fascia boards, break windows, and knock down trees onto structures.
Roof Leaks
Storm-related roof leaks need prompt attention to prevent mold, structural damage, and interior damage.
Water Intrusion
Flooding and water intrusion from storms can damage flooring, walls, and electrical systems.
Emergency Tarping
Temporary weatherproofing after storm damage can prevent additional loss and is often covered by your policy.
Insurance Documentation
Gathering photos, inspection reports, and repair estimates is essential for a smooth claim process.
Step by Step
What to Do After Storm Damage
Ensure Safety First
Before inspecting damage, confirm there are no structural hazards, downed power lines, or gas leaks. Call 911 if there is immediate danger.
Document Everything
Take photos and video of all visible damage — roof, siding, windows, interior water damage — before any cleanup or temporary repairs.
Make Temporary Repairs
Cover broken windows and active roof leaks with tarps or boards to prevent additional water intrusion. Keep all receipts.
Contact Your Insurance
File a claim promptly. Most policies have deadlines. Note your claim number and adjuster's contact information.
Get a Professional Assessment
Request a referral for a professional damage assessment to support your insurance documentation.
Disclaimer: Texas Property Help is a homeowner assistance and referral platform. We are not an insurance company, insurance agent, or public adjuster. We do not guarantee claim approval, coverage amounts, or outcomes. All insurance decisions are made solely by your insurance company. Consult a licensed public adjuster or attorney for formal claims assistance.
Why Texas Homeowners Face Unique Storm Risk
Texas leads the nation in insured catastrophe losses. Understanding the risk helps you prepare before the next storm hits.
📍 Houston
Hurricanes, tropical storms, flooding, hail. Harris County consistently tops the nation for catastrophic hail claims. Coastal proximity means wind deductibles can apply separately from regular deductibles.
📍 Dallas / Fort Worth
The DFW Metroplex sits in one of the most active hail corridors in North America. Large-diameter hail (2+ inches) is common in spring. Tornado risk is elevated in the spring months.
📍 San Antonio / Central TX
Flash flooding risk is high in the Hill Country region. Hail and severe thunderstorms in spring. Corpus Christi and the Coastal Bend see hurricane and tropical storm impacts.
📍 West Texas (Lubbock, Amarillo)
High plains experience severe hail and tornadoes. Wind damage from plains-level storms can affect roofing, fencing, and outbuildings. Drought-related foundation movement also common.
Your Rights
Texas Homeowner Rights After Storm Damage
The Texas Department of Insurance (TDI) enforces deadlines that protect policyholders. Know these before you file.
15-Day Acknowledgement Rule
Your insurer must acknowledge your claim within 15 days of receiving it. If they don't, they may be liable for additional damages under Texas law.
15 Business Days to Accept or Deny
After receiving all requested items, your insurer has 15 business days to accept or deny your claim — or provide a reason for needing more time (max 45 days total).
5 Business Days to Pay After Acceptance
Once your claim is accepted, payment must be issued within 5 business days. Delays beyond this deadline may trigger penalty interest of 18% per year.
Right to an Appraisal
If you disagree with your insurer's valuation, most Texas homeowner policies include an appraisal clause. You and the insurer each hire an appraiser; a neutral umpire resolves disputes.
Right to a Written Denial
If your claim is denied, your insurer must provide the specific policy reasons in writing. This is your starting point for appeal or legal action.
TDI Complaint Process
If your insurer violates these rules, file a complaint at tdi.texas.gov. TDI has authority to investigate and penalize insurers. This is free and does not require an attorney.
Texas Cities We Help With Storm Damage
We connect homeowners in these cities with local licensed contractors after storms:
Storm Damage FAQ
Storm Damage? Let Us Help You Get Started.
Submit a request and we'll connect you with local resources for damage assessment, insurance claim support, and emergency repairs.