How to File a Roof Insurance Claim in Houston, TX
June 20, 2025
Storms can cause big problems for your roof. If your home gets damaged, filing a roof insurance claim might sound overwhelming. But don’t worry—it’s easier than you think when you know what to do.
This simple guide will help you handle your roof claim without stress and make sure you get the help you need.
Step 1: Take Pictures of the Damage Right Away
As soon as it’s safe, go outside and look at your roof.
- Take clear pictures of missing shingles, broken gutters, and cracks.
- Snap photos inside your house if you see water stains or leaks.
- Get wide shots of your whole home and yard.
Save every photo and video. You’ll need them when you talk to your insurance company.
Also, write down:
- The date and time of the storm
- What caused the damage (like hail, tree branches, or heavy winds)
According to FEMA, taking good photos is one of the most important steps for a successful claim.
Step 2: Call Your Insurance Company
Next, call your insurance company to tell them about the damage.
When you call:
- Stay calm and clear
- Explain the damage without guessing or adding extra details
- Ask what your policy covers for roof repairs
- Find out if you need to take any emergency steps
Tip: Don’t agree to a recorded statement right away. It’s better to wait until you know more.
Every insurance company has different rules, but calling quickly protects your right to file a claim.
Step 3: Get a Roof Inspection by a Pro
Before the insurance adjuster comes, it’s smart to have your own roof inspection.
Roofing pros can:
- Find hidden damage that adjusters might miss
- Write a damage report with photos
- Give you a repair estimate
Having a pro’s report helps you get a fair claim amount.
Learn more about why timing matters in our guide: Storm Damaged Roofs in Houston: How to Respond Quickly and Protect Your Home.
Step 4: Meet the Insurance Adjuster
Once you file a claim, an insurance adjuster will check your home.
Here’s how to get ready:
- Ask your roofing pro to be there
- Show your photos and notes
- Point out every damaged spot, even the small ones
The National Association of Insurance Commissioners (NAIC) says having a contractor with you helps make sure you get the correct repair estimate.
Step 5: Compare Repair Estimates
After the adjuster’s visit, you will receive a cost estimate for repairing your roof.
Here’s what to do:
- Check the estimate carefully
- Get 2 or 3 quotes from licensed roofing companies
- Make sure all quotes cover the same repairs
Choosing affordable roofing in Houston doesn’t mean picking the cheapest one. Look for licensed and insured roofers—like 12 Stones Roofing—who offer fair prices and high-quality work.
Check out our affordable roofing services for Houston homeowners to see why quality matters.
Common Mistakes to Avoid
- Waiting too long to file your claim
- Not covering leaks (like skipping tarps)
- Taking the first offer without question
- Hiring out-of-state or unlicensed contractors
Avoiding these mistakes will help you get full coverage faster.
FAQs About Roof Insurance Claims
Is storm damage always covered by homeowners’ insurance?
Most homeowners’ insurance policies cover damage from sudden storms. But coverage depends on the cause (such as hail or wind) and the details of your policy. Always check with your insurer.
How soon should I file a roof insurance claim after a storm?
You should file your claim as soon as possible—ideally within a few days. Waiting too long could hurt your chances of getting full coverage.
Should I get my own roofer to inspect before the adjuster comes?
Yes! A professional roofer can spot hidden damage and help you build a stronger case. They can also meet the adjuster and explain what needs fixing.
Will insurance pay for a full roof replacement?
It depends. If the damage is severe enough, your policy might cover a full replacement. If the damage is minor, they might only pay for repairs.
Handle Your Claim Like a Pro
Filing a roof insurance claim may seem harsh, but it’s easy when you follow these simple steps: take good photos, call your insurer fast, get a pro roof check, and stay organized.
Need extra help? 12 Stones Roofing makes it easy—from free inspections to claim support—so you can get your roof fixed without the stress.
Schedule your free roof inspection and insurance claim help with 12 Stones Roofing today!