Events like that leave a long tail. The obvious damage gets repaired in the weeks after; the invisible damage — broken seal strips, bruised shingle mat — surfaces as leaks months or years later, often after the claim window has closed.
Insurance Claims Across the Metro
We handle storm damage assessment and claim support across Greater Houston: free photo-documented inspection, a written damage assessment your carrier can act on, and we meet your adjuster on the roof so the full scope is captured.
Texas law prohibits contractors from paying, waiving, or rebating any portion of an insurance deductible, and we follow that without exception. On a covered claim you pay your deductible and your carrier covers the approved balance — anyone offering to make your deductible disappear is offering to break the law.
What Storm Damage Costs You in Houston
On a covered hail or wind 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. Emergency tarping of $300 to $800 is normally reimbursed. Texas prohibits contractors from waiving, absorbing or rebating your deductible; any roofer offering to is breaking the law.
What has changed in Texas policies: most now require hail and wind claims within a year of the storm date; many move roofs past 10 to 15 years to depreciated actual cash value; and cosmetic-damage exclusions for hail dents that do not affect function are common. Read your declarations page before a storm, not after.
What Houston Hail and Wind Damage Looks Like
Most storm damage is invisible from the driveway. On a Houston roof, the inspection looks for:
- Hail bruises: soft spots in the shingle mat where granules were knocked loose, counted per test square on each slope
- Creased shingles: a horizontal fold line where wind bent the tab back; the shingle is broken even if it lies flat
- Broken seal strips: tabs that lift by hand, which will be gone in the next storm
- Missing ridge caps and shingles, and the exposed nails they leave
- Collateral damage on soft metals: dents on vents, AC fins, gutters and downspouts that prove hail size and direction
- Directional pattern matching the weather data for the storm date
Storm Damage Repair Questions from Houston Homeowners
How do I know if my Houston roof has storm damage?
Often you can't tell from the ground, which is the core problem. Granules in gutters, dented gutters or AC fins, and shingles slightly out of alignment are the visible clues. A free inspection is the reliable answer.
Do you handle the insurance claim for me?
We document the damage, provide the report your carrier needs, and meet the adjuster on site. You file the claim — we make sure it's supported by complete evidence.
What does a storm damage roof replacement cost me?
On a covered claim, typically your deductible. Texas law prohibits us from paying, waiving, or rebating any part of it, and we don't. We'll be clear about the numbers before you commit to anything.
How long do I have to file a hail claim in Texas?
Check your policy. Most Texas homeowners policies now require hail and wind damage to be reported within one year of the storm date, not the date you noticed a leak. Some still allow two years. Document the damage first, then file.
What is a cosmetic damage exclusion?
A policy endorsement that excludes hail damage affecting only the appearance of the roof, such as dents in metal that do not cause leaks. It is common on Texas policies. Functional damage, like bruised shingle mats, is still covered; the inspection has to document the difference.
More About Houston
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 Houston, 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.