Startzville · Comal County · Insurance
This is the Startzville 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 quoteThis is the housing age where a roof decides whether a policy renews, making a pre-renewal inspection cheap insurance against a non-renewal letter. Original tile roofs from the '80s and '90s are reaching underlayment failure now, and that's a lift-and-reset or full replacement, not a tile repair. Test-square counts before the adjuster arrives are what win reinspections — eight or more strikes per hundred square feet is the threshold most carriers use.
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
Creased or folded shingles that have lost their seal, lifted tabs, missing shingles, and ridge cap damage — concentrated on the side the wind came from. Uniform wear on all slopes is age, not wind.
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.
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. Startzville is inside the everyday service radius, so there's no travel surcharge and no "we'll be in the area next month."