Elmendorf · Bexar County · Insurance
This is the Elmendorf page for wind damage roof claim. The short version: you want to file a wind claim for a storm that wasn't a named hurricane, and you can have it without a salesperson at the door.
Get a written quoteOlder neighborhoods carry historic-review questions on material and color; newer ones carry HOA approvals; the roofer should know which applies to your address. Decade built, number of previous roofs, and any additions all move the number here, which is why a quote starts with a short conversation about the home's history. Wind is the co-equal peril here; South Texas squall lines lift shingles as often as hail bruises them.
On cost: uses your regular flat deductible, which is why many Florida homeowners with real damage from a tropical storm or squall line come out much better than under the hurricane deductible.
Your carrier has a set period to acknowledge, investigate, and pay a claim under the Texas Prompt Payment of Claims Act, and a contractor who documents damage well makes that clock work in your favor.
How it works
Only if the National Hurricane Center gave it a name and it was in effect for your area at the time of loss. A severe thunderstorm, derecho, or unnamed tropical system is a regular wind claim.
In Florida, carriers can't surcharge for a single claim from a declared event, but claims history does affect your ability to shop for coverage. In Texas, it varies by carrier.
Your carrier has a set period to acknowledge, investigate, and pay a claim under the Texas Prompt Payment of Claims Act, and a contractor who documents damage well makes that clock work in your favor. Elmendorf is inside the everyday service radius, so there's no travel surcharge and no "we'll be in the area next month."