On Lake Conroe, wind off the open water strips tabs and ridge caps and creases shingles on the exposed slopes. That damage is a wind claim, and it hinges on photographing creased and unsealed shingles that look fine from the ground. In River Plantation, Teaswood and the wooded sections, limbs come through decking. That is a different claim, and it hinges on photographing the limb in place before anything is cut.
We inspect first, photograph by slope, then help you file with that documentation and meet your adjuster on the roof.
What the 2024 Storms Did in Conroe
The May 16, 2024 derecho crossed Montgomery County with gusts near 100 mph and took down timber across Conroe; Hurricane Beryl followed on July 8 with hurricane-force gusts. Lake-exposed roofs in April Sound and Water Crest lost ridge caps and tabs; wooded lots in River Plantation and Teaswood took limb strikes.
Most Texas policies now require hail and wind claims within a year of the storm date. Wind damage that was not visible from the driveway in 2024 is the damage that fails in the next storm, so an inspection on a Conroe roof that has not been checked since is worth doing now.
What Storm Damage Costs You in Conroe
On a covered wind or hail claim with replacement-cost coverage, your cost is the deductible, usually 1 to 2 percent of your dwelling coverage; the claim covers the roof, decking and interior damage, and tree removal from the structure up to the policy's debris limit. Emergency tarping of $300 to $800 is normally reimbursed. No roofer may legally waive or pay your deductible in Texas.
Older April Sound and River Plantation roofs should check for an actual-cash-value endorsement, which pays replacement cost minus depreciation past 10 to 15 years. The City of Conroe permit applies to insurance replacements inside city limits like any other job.
Documenting Lake Wind and Limb Damage
Conroe claims come in two kinds, and the documentation differs. Before clean-up, we photograph:
- Creased shingles on lake-facing slopes: a horizontal fold line where wind bent the tab back. Broken even if it lies flat.
- Broken seal strips, tested by hand slope by slope, and missing ridge caps with the exposed nails they leave.
- The directional pattern, which should match the weather data for the storm date.
- Any limb in place on the roof, from the ground and from the attic, before it is cut.
- Decking and rafter damage under a strike point, which an adjuster cannot see from the roof surface.
- Collateral damage: bent gutters, dented vents, fence and dock damage that corroborate the wind speed.
Storm Damage Repair Questions from Conroe Homeowners
Is wind damage from Lake Conroe covered by insurance?
Yes, wind is a covered peril on a standard Texas homeowners policy. The claim depends on documenting creased shingles and broken seal strips slope by slope, which is what our inspection photographs.
A limb came through my River Plantation roof. What first?
Photograph it in place, from outside and from the attic, then call us. We tarp it the same day if water is coming in, document the strike point and decking damage, and meet your adjuster. Tree removal from the structure is usually covered up to the policy's debris limit.
Does a storm replacement in Conroe still need the city permit?
Inside the City of Conroe, yes, with the same dry-in and nail-off inspections. We file it with the claim scope so the permit and the claim approval run at the same time.
How long do I have to file a storm claim in Conroe?
Check your policy. Most Texas homeowners policies now require hail and wind claims within one year of the storm date; some still allow two. The May 2024 derecho and July 2024 Beryl windows have passed on most policies, which is why future storms should be inspected right away.
Will the adjuster see the wind damage on my lake roof?
Only if it is marked. Creased and unsealed shingles look normal from a distance. We walk the roof with the adjuster and point out every marked shingle so the full scope is in the estimate.
More About Conroe
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 Conroe, 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.