Common Mistakes Houston Homeowners Make When Filing Roof Claims
June 24, 2025
When storm damage strikes, getting your roof repaired through insurance should be simple. But small mistakes can turn the process into a long, stressful battle—and even cost you money.
If you’re filing a roof insurance claim in Houston, here’s what you need to watch out for to keep the process smooth and successful.
1. Waiting Too Long to Report Damage
After a storm, it’s easy to put off filing your claim. Maybe the damage doesn’t seem too bad, or life just gets busy.
But waiting can lead to serious problems:
- Insurance companies may deny claims if too much time passes
- Damage can get worse, making repairs more expensive
- You could miss important filing deadlines
Tip: Start the claims process within a few days after the storm. Even if you’re unsure about the extent of the damage, documenting and reporting early protects your rights.
2. Skipping Temporary Repairs
If your roof is leaking, you must act fast to prevent further damage—even before full repairs are scheduled.
Failing to cover holes or leaks can lead to:
- Water damage inside your home
- Mold growth
- Claim denials for “neglect”
Tip: Use a professional roofer or emergency service to place tarps or seal off leaks quickly. Insurance usually covers these emergency steps.
Need fast help? Read: Storm Damaged Roofs in Houston: How to Respond Quickly and Protect Your Home.
3. Not Documenting Damage Properly
Photos and notes are your strongest tools when filing a claim. Without solid proof, insurance companies can question your claim or reduce your payout.
Common documentation mistakes include:
- Only taking one or two photos
- Forgetting to capture close-up and wide-angle shots
- Not noting the date and time of the storm
Tip: Take dozens of pictures—inside and outside. Save receipts for any emergency repairs too.
4. Accepting the First Settlement Offer
After reviewing your roof, your insurance adjuster will provide a settlement amount. Many homeowners feel pressured to accept the first offer.
But often:
- The first offer might not fully cover all repairs
- Damage to hidden parts of your roof might be missed
Tip: Compare the insurance estimate to independent roofing quotes. A good roofing contractor will help you spot any gaps.
5. Hiring Out-of-State or Unlicensed Roofers
After major storms, it’s common for “storm chasers”—out-of-town roofers—to flood Houston with quick offers.
Here’s why you should avoid them:
- They might cut corners on repairs
- They often don’t honor warranties
- Using unlicensed contractors can void your insurance claim
Tip: Stick with trusted, local companies like 12 Stones Roofing, who know Houston’s weather challenges and have real references you can check.
Explore our reliable, affordable roofing services in Houston.
6. Not Having a Roofer Assist During the Adjuster Visit
Insurance adjusters don’t always catch everything. If your roofer isn’t there to point out hidden or serious issues, you could get an undervalued claim.
Tip: Arrange for your roofing contractor to meet the adjuster during the inspection. They can explain the damage clearly and help ensure a fair report.
FAQs About Filing Roof Insurance Claims
Should I still file a claim for minor roof damage?
Yes. Minor damage can grow into major problems. Plus, repairs after a storm are often covered by insurance.
Can I fix my roof before the adjuster comes?
You can make temporary repairs (like tarping) to stop leaks, but save major repairs until after the adjuster inspects the damage.
What happens if the insurance company underpays my claim?
You have the right to dispute the settlement. A detailed roofer’s estimate and photo evidence can help you negotiate better.
Avoid Mistakes and Protect Your Home
Filing a roof insurance claim isn’t complicated—but small mistakes can cost you thousands of dollars or delay your repairs.
By acting quickly, documenting everything, working with a trusted local roofer, and being careful during negotiations, you’ll have a much smoother claims process.
Need help protecting your home and your wallet? Contact 12 Stones Roofing for a free roof inspection and insurance claim support today!