Texas insurance claim roadmap
From storm date to approved scope
- 01
Inspect and document
Photograph roof surfaces, vents, flashing, gutters, and interior water. Drone documentation may be used when available and safe.
- 02
File with photo proof
Give your insurer the storm date and requested records. The insurance company—not the roofer—decides coverage.
- 03
Meet the adjuster
The roofer may attend the roof visit to point out documented conditions without acting as your public adjuster.
- 04
Approve scope and supplements
Compare the approved scope with the repair plan. Added covered items may be sent to the insurer for review when supported.
Texas deductible rule: a contractor cannot pay, waive, absorb, or rebate your insurance deductible. Be careful with anyone who offers.
Document the full pattern
Storm damage worth photographing
Clear overview and close-up photos help connect each condition to its location. Stay on the ground and leave roof access to a trained roofer.


Representative condition examples, not photos from a customer claim.
After the storm: what comes first?
Can Wait
- • Small dents only on metal vents
Check Soon
- • Shingle pieces in the yard
- • Dented gutters or downspouts
Call Now
- • A tree or big branch on the roof
- • Water coming in after the storm
Think you found the problem?
Common questions
What does hail damage look like on shingles?
Fresh granule loss, dark bruises, cracked edges, exposed mat, and dents in vents or gutters can be clues. A close inspection looks for a consistent impact pattern.
Does quarter-size hail always damage a roof?
No. Hail size alone does not prove damage. Wind, stone hardness, roof age, shingle type, slope direction, and impact angle all matter.
Should I call a roofer or my insurer first?
Protect active water first. Then document what happened, review your policy, and ask your insurer about its claim steps and deadlines.
Can a roofer meet my insurance adjuster?
A roofer may attend the inspection to point out documented roof conditions. Your insurer decides coverage and claim payment.
What is an insurance supplement?
It is added documentation for covered work or quantities missing from the first scope, including some damage found during tear-off. The insurer reviews and decides it.
Can the roofer waive my deductible?
No. Texas law says a contractor cannot pay, waive, absorb, or rebate your deductible.
Is drone documentation always available?
No. It depends on the roofer, pilot credentials, weather, trees, roof shape, airspace, and equipment. Confirm it when the visit is scheduled.
Does hail damage mean I need a full replacement?
Not always. The answer depends on the damage pattern, roof age, material, repairability, and what your policy covers.
Also serving Gruene, Canyon Lake, San Marcos, Seguin, and Schertz. View full service area


