How to File a Roof Insurance Claim in Texas: Step-by-Step Process

The Complete Guide to Filing a Roof Insurance Claim in Texas

Filing a roof insurance claim can feel overwhelming, especially after a major storm. This guide walks you through the entire process — from initial damage discovery to final payment — so you know exactly what to expect.

Step 1: Document the Damage

Before you call anyone, document everything:

Take photos and videos of visible damage from the ground
Note the date and time of the storm
Check for interior water stains or leaks
Save any weather reports or hail size data from local news

Step 2: Call Your Insurance Company

Contact your insurance carrier to file a claim. You'll need:

Your policy number
Date of the storm/damage
Brief description of what you've observed
Your contact information

Pro tip: File the claim even if you're not sure about the extent of damage. You can always withdraw it later, but you can't file outside the deadline.

Step 3: Get a Professional Roof Inspection

This is where Candor comes in. Before the adjuster arrives, have a reputable roofing contractor inspect your roof. We provide:

Comprehensive damage assessment
Detailed photo documentation
Written scope of work needed
Estimate based on current material and labor costs

Having this documentation BEFORE the adjuster visit ensures nothing gets missed.

Step 4: Meet with the Insurance Adjuster

The insurance company will send an adjuster to inspect your roof. You have the right to have your contractor present during this inspection. We recommend it — our team knows exactly where to look and can point out damage the adjuster might miss.

Step 5: Review the Estimate

The insurance company will send you an estimate. Compare it to your contractor's estimate. Common issues:

Underpayment — adjuster missed damage areas
Depreciation — they deduct for roof age (you may recover this later)
Excluded items — things they claim aren't covered

If the estimate seems low, you have the right to supplement or dispute it.

Step 6: Approve Repairs and Schedule Work

Once you agree on the scope and payment: 1. Sign a contract with your chosen contractor 2. The insurance company issues initial payment (minus deductible) 3. Work begins 4. After completion, the contractor submits for any supplemental payment 5. Insurance releases depreciation holdback (if applicable)

Common Mistakes to Avoid

Don't sign anything with door-knockers — storm chasers often lock you into contracts with hidden fees
Don't accept the first estimate without review — underpayment is extremely common
Don't do temporary repairs without documenting first — unless there's active leaking
Don't pay your full deductible to a contractor who offers to "cover" it — this is insurance fraud in Texas

What Candor Does Differently

We operate with complete integrity throughout the claims process:

We NEVER waive or cover deductibles (that's fraud)
We document everything transparently
We communicate directly with your adjuster
We fight for every legitimate dollar you're owed
We don't pressure you into unnecessary work

Need help with a roof insurance claim? Call Candor Construct & Roofing at (806) 224-2836. Free inspections across all of West Texas.