How to File a Roofing Insurance Claim in Texas – A Complete Guide

When a storm hits Texas, your roof is usually the first part of your home to suffer. Hail, wind, and heavy rain can damage shingles, flashing, and decking. What looks like a few missing shingles on the surface can lead to leaks, water damage, and costly repairs inside your home. The good news is that most homeowners insurance policies cover roof damage from storms. The challenge is knowing exactly how to file a roofing insurance claim and what steps to take to make sure your insurer pays what is owed.

At Cattleman’s Roofing Co., we combine roofing expertise with insurance knowledge. We have guided homeowners in Waco, Temple, Dallas, Fort Worth, Houston, Austin, and across Texas through the claim process successfully. Here is a step by step guide to filing a roofing claim in Texas and ensuring you are protected.

Step 1: Inspect Your Roof for Storm Damage

The first step after a storm is to look for visible signs of roof damage. Walk around your property and check for missing shingles, pieces of shingles in the yard, bent gutters, cracked vents, or water spots inside your home. Storm damage is not always obvious, which is why many homeowners in Texas rely on professional roofing contractors like Cattleman’s Roofing Co. to perform a free storm inspection.

Step 2: Review Your Insurance Policy

Before filing a claim, take time to review your homeowners insurance policy. Pay attention to your deductible, exclusions, and whether your policy is Actual Cash Value (ACV) or Replacement Cost Value (RCV). ACV policies only pay for the depreciated value of your roof, while RCV policies pay the full replacement cost after your deductible. Knowing your coverage helps you prepare for what your insurance company may approve or deny.

Step 3: Contact a Local Roofing Contractor

One of the biggest mistakes homeowners make is calling their insurance company before contacting a roofer. Insurance adjusters work for the insurance company, not for you. Having a qualified Texas roofing contractor perform an inspection first ensures all damage is documented and prevents your claim from being undervalued. At Cattleman’s Roofing Co., we document every shingle, flashing, and vent so nothing is overlooked.

Step 4: File Your Roofing Insurance Claim

Once you have inspection photos and a roofing report, you can contact your insurance company to file the claim. You will need to provide:

• The date of the storm

• A description of the damage

• Photos or reports from your roofing contractor

Your insurer will then assign an adjuster to visit your property.

Step 5: Meet the Insurance Adjuster with Your Roofer Present

This is one of the most important steps in the process. When the insurance adjuster inspects your roof, they decide what will and will not be covered. If your roofer is present, they can point out damage the adjuster might otherwise miss. This is where Cattleman’s Roofing Co. sets itself apart. We attend adjuster meetings for homeowners in Waco, Temple, Fort Worth, Dallas, Houston, Austin, and surrounding areas to make sure no detail is ignored.

Step 6: Review the Insurance Estimate

After the inspection, the adjuster will prepare an estimate of the repair or replacement costs. This is called the scope of work. Many times, the first estimate is missing key items like starter shingles, drip edge, ridge caps, or ice and water shield. Our team reviews the insurance paperwork line by line and supplements the claim if anything is missing. This ensures you get the full value of your coverage.

Step 7: Approve the Work and Schedule Repairs

Once your claim is approved, you will receive your first payment from the insurance company. This is usually the ACV amount. After your deductible and initial payment, the remaining balance is released once the work is completed. Cattleman’s Roofing Co. works with homeowners across Texas to schedule roof repairs or replacements quickly so their homes are protected from the next storm.

Step 8: Final Inspection and Depreciation Payment

When your roof replacement is complete, your contractor will submit final documentation to your insurer. This triggers the release of your recoverable depreciation, which is the remaining money owed under an RCV policy. Without this step, many homeowners leave thousands of dollars unclaimed.

Common Mistakes to Avoid When Filing a Roofing Claim

• Calling the insurance company before contacting a roofer

• Failing to document damage with photos

• Accepting the first insurance estimate without review

• Waiting too long to file a claim (Texas has deadlines for storm damage claims)

• Choosing a roofer without insurance or storm claim experience

Frequently Asked Questions About Roofing Claims in Texas

How long do I have to file a roofing claim in Texas
Most insurers allow one year from the date of the storm, but it depends on your policy. It is best to file as soon as possible.

Will my insurance rates go up if I file a claim
Roofing claims for storm damage are considered an act of nature. In most cases, they do not raise your individual premium.

Do I have to pay my deductible
Yes. Texas law requires homeowners to pay their deductible when filing a roofing claim. Any roofer who promises to waive your deductible is breaking the law.

What if the insurance adjuster denies my claim
You have the right to request a reinspection or file an appeal. With a roofing contractor on your side, you have a much stronger chance of approval.

Cattleman’s Roofing Co. – Texas Roofing and Insurance Claim Experts

Filing a roofing insurance claim can feel overwhelming, but you do not have to handle it alone. At Cattleman’s Roofing Co., we guide homeowners in Waco, Temple, Dallas, Fort Worth, Houston, Austin, and across Texas through the entire process. From the first inspection to meeting with adjusters to final cleanup, we make sure you get the coverage you deserve and a roof built to last.

👉 Call 254-265-5144 or visit CattlemansRoofingCo.net to schedule your free storm inspection today. Let us handle the paperwork and the roof so you can focus on protecting your home and family.