Limb strikes are deceptive. A branch that hits a roof and rolls off can crack shingles and puncture the mat without leaving anything obvious behind — and on an older Spring roof that's already thin, it takes very little to open a leak path.
Limb Damage and Insurance
Falling-limb damage is typically covered by homeowners insurance, and it's the kind of claim that depends heavily on documentation. We photograph the strike point, the surrounding shingle and mat damage, and any decking impact, then meet your adjuster on the roof so the full scope is recorded.
On older homes we also document pre-existing condition honestly. That matters: an adjuster who sees a well-documented distinction between storm damage and ordinary wear is more likely to approve the storm portion cleanly.
What Storm Damage Costs You in Spring
On a covered claim your cost is the deductible, usually 1 to 2 percent of dwelling coverage. Limb damage, the most common Spring claim after the May 2024 derecho and Beryl, is typically covered in full beyond that, including decking, rafters, interior drywall and insulation. The exception to watch for on older roofs is actual-cash-value coverage, which pays replacement cost minus depreciation; check your declarations page.
Emergency tarping after a limb strike runs $300 to $800 and is normally reimbursed under the claim. Tree removal from the roof is usually covered too, up to the policy's debris-removal limit.
After a Limb Comes Through a Spring Roof
Under Champion Forest and Spring Creek Forest canopy, the storm claim usually starts with a tree. The order that protects your claim:
- Photograph the limb on the roof and from inside the attic before anything is moved.
- Call us for same-day tarping if water is coming in. We document the strike point first, then cover it.
- Do not have the tree service cut the limb off the roof until it is photographed; the claim needs the cause on record.
- Check the ceiling below and the attic insulation; wet insulation is part of the claim and should be photographed.
- Note the storm date and report within your policy window, which on most Texas policies is one year.
- Have us meet the adjuster so the decking and rafter damage under the shingles is in the scope, not just the hole.
Storm Damage Repair Questions from Spring Homeowners
A limb hit my roof but I don't see damage. Should I get it checked?
Yes. Limb strikes frequently crack shingles and bruise the mat without leaving a visible hole, especially on older roofs. A free inspection tells you whether there's a claim worth filing.
Does insurance cover tree damage to my roof?
Falling-limb damage is generally covered under homeowners policies. Coverage specifics vary, but this is one of the more commonly approved claim types when it's properly documented.
My roof is old. Will insurance still cover storm damage?
Age can affect how a claim is settled — older roofs may have depreciation applied — but genuine storm damage is typically covered regardless. We document the storm damage specifically so it isn't dismissed as wear.
Is a tree limb through my roof covered by insurance in Spring?
Almost always, including decking, rafters and interior damage. It is the easiest claim to document when photographed before clean-up, which is why we photograph first and tarp second.
My Spring roof is 18 years old. Will the claim pay full replacement?
It depends on the policy. If the roof has been moved to actual cash value, the payout is depreciated for age. If it still carries replacement-cost coverage, you receive full replacement minus the deductible. Your declarations page says which.
More About Spring
This page covers storm damage repair specifically. For the full picture of how we work in this market — neighborhoods, local roof conditions, and storm history — see our Spring, TX roofing page, or read the detail on storm damage repair generally. Our Houston storm damage guide covers recent hail and wind events, what damage looks like, and the first 48 hours after a storm.