Filing a roof insurance claim in Houston after a hailstorm or hurricane is not complicated, but a few small mistakes can sink your claim entirely. Here is the step-by-step process we walk every customer through.
Step 1: Confirm Real Damage Exists
Before you call your insurer, get a free professional roof inspection. Filing a claim that gets denied still goes on your claim history. TexGuard provides written, photo-documented Houston roof inspections at no cost. If we do not see clear storm damage, we will tell you so – saving your record.
Step 2: Gather Your Documentation
You will need: date of the storm, weather reports for your zip code, photos of damage (roof and collateral like dented gutters, AC fins, mailboxes), and your insurance policy. Our inspection report includes everything an adjuster wants to see.
Step 3: Call Your Insurance Company Directly
You file the claim yourself. Get the claim number, the adjuster name, and the inspection date in writing. Be factual, do not speculate on damage extent.
Step 4: Schedule the Adjuster Meeting
Have your roofer present. Insurance adjusters are not roofers, and a CertainTeed-certified pro can point out hits the adjuster might miss in a quick walkover. We do this for free in Houston as part of our claim support.
Step 5: Review the Scope of Loss
The adjuster issues a Scope of Loss document with line-item pricing. Compare it against an itemized roofer estimate. If items are missing – drip edge, ice and water shield, code upgrades – your roofer files a supplement on your behalf.
Step 6: Sign the Contract and Receive ACV
Once you choose your roofer, your insurer issues the Actual Cash Value payment minus your deductible. After the work is complete, the depreciation (Recoverable Depreciation) is released as a final check.
Houston Claim Pitfalls to Avoid
Never sign an Assignment of Benefits to a Houston contractor before inspection. Never let a roofer pay your deductible – it is insurance fraud in Texas. Never accept a verbal scope; get everything in writing.
We Make Houston Insurance Claims Easy
TexGuard Roofing has 25+ years of Houston storm-claim experience. CertainTeed certified, photo documentation, supplement filing, and an honest assessment every time. Call 713-530-9167, open 8 to 5 daily, for free claim support.