How To File A Roof Claim In Houston TX
How to File a Roof Insurance Claim in Houston, TX
A clear, local step-by-step guide for hail and wind damage.
Quick-Start: Do these 6 things first
- Take 20–30 photos/videos of shingles, gutters, downspouts, windows, attic and ceilings.
- Protect from further damage (tarp openings, keep receipts).
- Find your policy number & deductible; note wind/hail or hurricane deductible.
- Call your insurer and get a claim number. Ask how they prefer photos/receipts submitted.
- Schedule a free roof inspection with Cranders Roofing for documentation.
- Create folders: Photos, Receipts, Estimate(s), Adjuster report, Permits, Emails.
Step-by-Step: Filing a Roof Claim in Texas
1) Report your claim promptly
Call your insurer or agent as soon as you notice damage—ideally same day. Ask about submission requirements and write down your claim number.
2) Document everything
- Exterior: close-ups of dents in soft metals, granule loss, missing tabs, lifted shingles.
- Interior: ceiling stains, damp insulation, attic daylight at penetrations.
- Storm proof: keep radar screenshots or news with dates.
3) Get a thorough contractor inspection
Cranders Roofing provides photo reports, measurements, and a written scope using insurer-friendly line items. This reduces back-and-forth and speeds approvals.
4) Meet the adjuster
Have your contractor present to point out damage, code items, and safety concerns. Share permit/code notes when relevant.
5) Review the estimate
Compare the adjuster’s scope with your contractor’s. Confirm shingle type, underlayment, vents, flashing, drip edge, and accessories. Make sure roof accessories and code compliance are included, not just shingles.
6) Approvals, permits & production
Once approved, sign work authorization and select colors. We handle any required Houston roofing permits and schedule installation. Keep all emails and receipts until the final payment is issued.
Roof Claim Checklist (Houston)
- Claim number, agent contact, and policy declarations page
- Photo/video proof (date-stamped)
- Temporary repairs + receipts (tarps, plywood, etc.)
- Contractor inspection report & estimate
- Adjuster report (estimate + photos)
- Permit documents (if needed) & color selection
- Invoice, warranty, completion photos
Houston Permits & Code
For many re-roof and major repair projects in the City of Houston, a roofing permit is required. Cranders Roofing coordinates permitting, inspections, and final close-out as part of your project to help ensure code-compliant installation that withstands Gulf Coast wind and rain.
Frequently Asked Questions
How long do I have to file a claim in Texas?
Many policies require claims to be filed within one to two years from the date of loss, but your policy controls. Don’t wait—report damage as soon as you notice it.
Will filing a claim raise my rates?
Premiums depend on region-wide storm losses, your claim history, and deductible options. Ask your agent how a claim may affect your policy.
Can I choose my own contractor?
Yes. You are not required to use a preferred vendor. Choose a licensed, insured roofer who documents thoroughly and follows Houston code.
What if my estimate is below my deductible?
If the estimate is less than your deductible, you may opt to self-pay. We can price repair vs. replacement so you can decide.
Do Houston roof projects need permits?
Many re-roofs and major repairs require a City of Houston permit. After inspection, we’ll advise you and handle permits if needed.
What about TWIA or hurricane claims?
If your wind coverage is through TWIA or you suffered hurricane damage, the steps are similar—contact us and your carrier quickly; we’ll help with documentation specific to your policy.
Need help right now?
Cranders Roofing is a local Houston-area team that handles inspection → documentation → adjuster meeting → permits → build → warranty.
Schedule a free inspection ·
(281) 704-5994
Serving Houston, Kingwood, Humble, Atascocita, Huffman, Spring, The Woodlands, Porter, and nearby communities.