One of the most common questions we hear from homeowners after a storm is: "Will my insurance pay for a new roof?" The short answer is — it depends on the cause and your policy. Here's what you need to know about filing a roof insurance claim in Texas.
What Insurance Typically Covers
- Hail damage — the most common covered claim in North Texas
- Wind damage — missing or lifted shingles from storms
- Fallen trees or debris — damage caused by objects striking the roof
- Fire damage — structural damage from fire events
- Sudden water damage — from storm-related roof breaches
What Insurance Usually Does NOT Cover
Insurance is designed to cover sudden, unexpected events — not gradual wear and tear. Your policy likely won't cover damage caused by aging, lack of maintenance, or cosmetic issues that don't affect the roof's function.
If your roof is over 20 years old, your insurance company may only offer a depreciated value rather than full replacement cost. This varies by policy, so it's important to understand your coverage before you need to file a claim.
How the Claims Process Works
Step 1: Get a professional inspection. An insured roofer documents the damage with photos, measurements, and a detailed report your insurance company needs.
Step 2: File your claim. Contact your insurance company and submit the inspection report. Your insurer will assign an adjuster to verify the damage.
Step 3: Adjuster inspection. The insurance adjuster visits your property. Having your roofer present during this inspection can make a significant difference in the outcome.
Step 4: Approval and repair. Once approved, you'll receive funds (minus your deductible) to cover the roof replacement. Your roofing company handles the rest.
How DKG Roofing Helps
We document storm damage and meet your adjuster on site; the claim decision stays with you and your insurer.