A roof insurance claim is a request to your homeowner's carrier to pay for storm-related roof damage. In Texas, the process typically involves filing, an adjuster inspection, an estimate, ACV payment, repairs, and recoverable depreciation payment.
Key facts
- Texas homeowners typically have 1 year from the date of loss to file a roof claim, but always confirm with your specific policy.
- Most policies pay Actual Cash Value (ACV) first, then Recoverable Cash Value (RCV) once repairs are complete and invoiced.
- An insurance deductible applies — commonly 1–2% of dwelling coverage in Texas, sometimes higher for wind/hail.
- A contractor's documented site inspection often catches damage the initial adjuster scope misses.
- Filing a legitimate claim does not generally affect your premium the way an at-fault auto claim does, but rate impacts vary by carrier.
Step-by-step
- 1
Document the damage
Photograph from the ground after a storm — never climb a wet roof. A free contractor inspection adds an interior attic check and detail photos you can keep.
- 2
Call your carrier
Provide the date of loss and request a claim number. Ask whether your policy carries a separate wind/hail deductible.
- 3
Schedule the adjuster
Coordinate the adjuster visit so your roofer can be on site at the same time. Most missed-scope items are caught during this walkthrough.
- 4
Review the estimate
The adjuster produces a line-item estimate (typically in Xactimate). Compare it to your contractor's scope and request supplements for any missing items.
- 5
Receive the ACV payment
Your carrier sends a check for Actual Cash Value minus your deductible — this funds the start of repairs.
- 6
Complete repairs and file final invoice
Once work is complete, submit the final invoice and completion photos to claim recoverable depreciation (RCV).
Frequently asked questions
How long does a roof insurance claim take in Texas?+
From filing to payout typically takes 30–90 days. Active storm seasons or supplement disputes can extend the timeline.
Do I need a public adjuster?+
Not always. Many homeowners get the right outcome with a reputable roofer who attends the adjuster meeting. Public adjusters are an option for complex or disputed claims.
Can I file a roof claim without visible damage?+
You can file, but carriers require physical evidence of storm damage. A roofer's inspection report documents the case.
What if my claim is denied?+
You can request a reinspection, file a supplement, invoke the appraisal clause, or appeal in writing. See our denied claim resource for the full process.