Straight-line wind damage in these neighborhoods is the definition of invisible-from-the-driveway. Shingles get lifted, the seal strip breaks, and the shingle settles back into place looking untouched. The next storm takes it off entirely — and by then the claim window for the original event may have closed.
Katy Storm Claims
We inspect free and photograph every slope, then meet your adjuster on the roof if there's damage to document. Insurance adjusters cover a lot of properties after a major event, and having someone walk the roof with them is how the full scope gets captured rather than a partial assessment.
Texas law prohibits us from paying, waiving, or rebating any part of your deductible, and we don't. On a covered claim you pay your deductible and your carrier covers the approved balance.
What Storm Damage Costs You in Katy
On a covered claim with replacement-cost coverage, your cost is the deductible, typically 1 to 2 percent of dwelling coverage, so $4,500 to $9,000 on a $450,000 Katy home. The claim covers the roof, decking, and interior damage. Any roofer offering to waive or cover that deductible is breaking Texas law.
West Houston took the full width of the May 16, 2024 derecho, and the wind damage it left on exposed Katy roofs, lifted tabs with broken seals, is the kind that fails in the next storm. Most Texas policies require the claim within a year of the storm date, so a roof that has not been inspected since is worth a look now.
What the Adjuster Looks for on a Katy Roof
Wind claims are judged differently from hail claims. On an exposed Katy roof the adjuster will look for, and we document in advance:
- Creased shingles: a horizontal line across the tab where wind folded it back. Creased shingles are broken even if they lie flat.
- Broken seal strips: tabs that lift by hand. We mark every one on each slope.
- Missing shingles and ridge caps, and the exposed nail heads they leave behind.
- Directional pattern: wind damage concentrates on the slopes that faced the storm, which matches the weather data for the date.
- Collateral damage: bent gutters, torn window screens, fence damage, all of which corroborate the wind speed.
- Hail, if any: test squares on each slope with hits counted, plus dents on soft metals like vents and AC fins.
Storm Damage Repair Questions from Katy Homeowners
How do I know if my Katy roof has wind damage?
Often you can't from the ground — that's the problem. The reliable signs are shingles that look slightly out of alignment, granules in gutters, or a neighbor's roof visibly damaged. A free inspection settles it either way.
Do you work with my insurance company?
Yes. We document the damage with photos, provide the report your carrier needs, and meet the adjuster on site so nothing gets missed in the scope.
What if there's no damage?
Then we tell you that and you keep the inspection report for your records. Plenty of our Katy inspections end with us saying the roof is fine.
Is wind damage covered the same as hail in Katy?
Yes, both are covered perils on a standard Texas homeowners policy. Wind claims hinge on documenting creased and unsealed shingles that look fine from the ground, which is why the inspection and photos come first.
Will my Katy HOA slow down a storm replacement?
Only if the application goes in late. We submit the architectural review with the approved color the day the claim is approved, so the HOA review runs while materials are ordered.
More About Katy
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 Katy, 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.