Filing a roof insurance claim in Texas can feel overwhelming — especially when you're already dealing with the stress of storm damage. The good news: with the right steps and the right roofing contractor by your side, the process is straightforward and most DFW homeowners receive full coverage for hail and storm damage repairs.
Here's exactly how to do it.
Step 1: Inspect Your Property Immediately After the Storm
As soon as it's safe, do a visual walkthrough of your property. Look for obvious signs of damage: dented gutters, cracked shingles, damaged AC units, broken skylights, and dented vents. Take photos and videos of everything — date-stamped if possible.
Important: Don't go on your roof yourself. Leave the detailed inspection to a licensed roofing professional.
Step 2: Call a Trusted Local Roofing Contractor
Before you call your insurance company, get a professional roof inspection. A qualified contractor will:
- Document all damage with photos and detailed notes
- Provide a written inspection report
- Identify damage that isn't visible from the ground
- Give you an accurate repair or replacement estimate
This documentation is critical — it gives your insurance adjuster a clear picture of the damage and significantly increases the likelihood of a full claim approval.
Step 3: File Your Claim with Your Insurance Company
Contact your homeowner's insurance provider and report the storm damage. You'll need:
- Your policy number
- The date of the storm
- Photos and documentation of the damage
- Your contractor's inspection report
Texas law gives homeowners 2 years from the date of the storm to file a claim (as of 2017 HB 1774), but don't wait — the sooner you file, the smoother the process.
Step 4: Meet with the Insurance Adjuster
Your insurance company will send an adjuster to assess the damage. We strongly recommend having your roofing contractor present during this inspection. An experienced contractor knows what adjusters look for and can ensure no damage is overlooked.
Step 5: Review Your Claim Settlement
Once your claim is processed, you'll receive a settlement offer. Review it carefully with your contractor to make sure it covers all necessary repairs. If the settlement seems low, you have the right to dispute it or request a re-inspection.
Step 6: Schedule Your Repairs
Once your claim is approved, schedule your repairs promptly. Delaying repairs can lead to secondary damage (like water intrusion) that may not be covered by your policy.
How Burt Chandler Roofing Helps with Insurance Claims
Navigating insurance claims is one of our specialties. With 22+ years serving DFW homeowners and Burt's 40+ years of roofing experience, we know exactly how to document damage, work with adjusters, and ensure you get the full coverage you're entitled to.
We offer free roof inspections and will walk you through every step of the claims process at no extra charge.
Start with a Free Inspection
If your home was hit by a recent storm, don't wait. Get a professional inspection and let us help you navigate your insurance claim from start to finish.