How to File a Hail Damage Roof Claim in Texas

A good claim starts with good records. Here’s the order to do things in, and the clock your insurer has to follow once you file.

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Updated November 14, 2026 · AdEx – Home Solutions, Dallas–Fort Worth

Short answer

Report the damage to your insurer as soon as you can, with photos and the storm date. Texas law then gives the company 15 days to acknowledge the claim and start its review, 15 business days after it has everything it needs to accept or reject it in writing, and 5 business days to pay once it agrees. Your policy sets your own deadline to report, often one year from the date of loss, so check it.

Step by step

  1. Stay safe and prevent more damage. If water is coming in, cover the area or tarp the roof. Keep receipts; reasonable steps to prevent more damage are part of your duties under most policies.
  2. Document it. Note the storm date. From the ground, photograph dented gutters, downspouts, vents and window screens, plus any ceiling stains inside.
  3. Read your policy. Find your wind and hail deductible and your deadline to report a claim.
  4. Get an inspection and a written estimate. It tells you whether the damage is above your deductible. We do this with a free roof inspection.
  5. File the claim. Call your insurer or agent, or file online. Write down the claim number and the name of everyone you talk to.
  6. Meet the adjuster. Share your photos and the contractor’s estimate. Ask for a copy of the adjuster’s estimate.
  7. Compare the estimates line by line. If something is missing, ask the insurer to review it.
  8. Get paid and repair. With replacement cost coverage, expect a first payment and the rest after repairs start. If you have a mortgage, the check may name your lender too.

The deadlines your insurer has to meet

StepDeadline under Texas law
Acknowledge your claim, start reviewing it, ask for what it needs15 days
Accept or reject in writing15 business days after it gets everything it asked for (it can take up to 45 days if it tells you why it needs more time)
Pay after agreeing to pay all or part5 business days

TDI can extend these deadlines by 15 days after a weather disaster. If the company rejects the claim, it has to tell you why in writing.

Your deadline to file

There isn’t one Texas deadline for every policy. Many policies require you to report damage “as soon as possible” or within a set window, often one year from the date of loss, and set a separate, longer deadline to sue, commonly two years and one day. Report hail damage promptly; waiting also makes it harder to show which storm caused it.

Common questions

How long do I have to file a hail claim in Texas?

Your policy sets it. Many policies say to report as soon as possible or within a set time, often one year from the date of loss. Check your policy and file promptly.

How long does the insurer have to pay?

Five business days after it tells you it will pay all or part of the claim. Before that, it has 15 business days after receiving everything it needs to accept or reject the claim.

Should I get a roofer’s estimate before the adjuster comes?

It helps. You’ll know whether the damage is above your deductible, and you can compare the adjuster’s estimate with a contractor’s line by line.

Can my roofer talk to the adjuster for me?

A roofer can share photos and an estimate, but under Texas law a roofing contractor can’t act as a public adjuster or negotiate your claim.

This guide is general information for Texas homeowners, not legal or insurance advice. Your policy, your city and your house decide the details.