Texas · Insurance
Non-hurricane wind events. Most people searching this want to file a wind claim for a storm that wasn't a named hurricane — that's what you'll get, in writing, from a vetted, insured Central Texas roofing contractor.
Get a written quoteuses 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.
Texas hail claims typically follow a replacement-cost policy, but many carriers have moved to a roof surface payment schedule that depreciates by age — check your declarations page for 'RSPS' or 'ACV roof' language.
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.
You never have to sign a contract with a roofer to get an inspection or to file a claim. Any roofer who says otherwise is the reason this site exists.
Roofers cannot legally pay or waive your deductible in Texas — a 'free roof' pitch is a fraud red flag, not a deal.
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.
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.
In 13 counties and 99 cities and communities — every area listed below. If yours isn't there, send the address anyway; the partner's service radius is wider than the page list.