After a Texas storm: prioritize safety, document damage from the ground, schedule a free contractor inspection within days, secure the property with temporary tarping if needed, save receipts, and decide on filing.
Key facts
- Don't climb a wet or storm-damaged roof — emergency response and contractors carry the proper equipment.
- Temporary tarping is insurance-billable mitigation and is generally encouraged by carriers.
- Keep receipts for any mitigation expenses — they're often reimbursable.
- Inspections in the first week of a storm cycle are usually backlogged but worth the wait.
- Storm chasers from out of state often arrive within days — local, licensed contractors are the safer choice.
Step-by-step
- 1
Make sure everyone is safe
Stay clear of downed power lines and standing water.
- 2
Document from the ground
Wide and close-up photos of visible damage to roof, gutters, siding, fence, vehicles.
- 3
Stop active leaks
Place buckets, move valuables, photograph interior damage. Tarping crews can handle exterior.
- 4
Schedule a free inspection
Reputable local contractors offer free post-storm inspections within days.
- 5
Get insurance-billable tarping if needed
Mitigation expenses are typically reimbursable; keep all receipts.
- 6
Decide whether to file
Combine inspection results, weather data, and policy deductible before filing.
Frequently asked questions
How soon after a storm should I have my roof inspected?+
Within 1–2 weeks. Sooner if there are visible leaks or active damage.
Is a storm chaser the same as a local contractor?+
No. Storm chasers are out-of-state crews that follow weather; they often leave the area before warranties matter. Stick with locally established contractors.
Do I need to wait for the adjuster before tarping?+
No. Mitigation (tarping, water removal) is your obligation under most policies and is typically reimbursable.
What if it's just a small leak?+
Even small leaks reflect underlying damage. A free inspection clarifies whether it's a repair or a claim scenario.