Insurance & Storm Claims

A major storm in Houston often leaves behind roof damage, broken gutters, and the complicated process of filing an insurance claim. Homeowners in Texas have clear protections under the Texas Insurance Code, including the right to a timely response. Insurers must acknowledge your claim within 15 days, investigate fairly, and issue a written decision within 15 business days after receiving your documentation. Once the insurer accepts a claim, Texas law requires payment or denial within 5 business days. Delays beyond these statutory deadlines may entitle you to interest and attorney fees. Understanding this timeline and your rights helps secure a fair settlement.

Coverage depends on your specific policy, but most standard Texas home insurance policies cover storm-related roof repairs or replacement based on damage extent and roof age. A thorough claim should also list collateral damage, such as gutters, fencing, siding, and hail-damaged HVAC units. It is important to know whether you have an Actual Cash Value (ACV) or Replacement Cost Value (RCV) policy. An ACV policy subtracts depreciation, which often leaves you paying the difference for a new roof. An RCV policy covers the actual cost to restore your roof to its original condition. Watch out for exclusions like pre-existing wear, poor installation, or deferred maintenance, since adjusters often cite these to reduce payouts.

Thorough documentation is the most critical factor for a successful storm claim. Without clear photos and videos showing the damage immediately after the storm and during repairs, claims are frequently underpaid or denied. A complete claim file needs time-stamped photos of all damaged areas, a detailed report, and an itemized contractor estimate. Insurers look for gaps in proof, and even genuine claims can be reduced if the evidence fails to tie the damage directly to the storm date. Keep detailed logs of all phone calls and emails with your adjuster, noting names, dates, and what was discussed.

Urena Roofing guides Houston homeowners through the storm claim process with honesty and full compliance with Texas law. We start with a free, detailed storm inspection, documenting all damage in a report you can submit to your insurance. We can also meet directly with your insurance adjuster on-site to ensure all damaged areas are documented. Once the claim is approved, we do the work exactly as approved, with no shortcuts or sales pressure. We never ask you to sign over your benefits or engage in non-compliant practices. If your home was hit by a recent storm, contact Urena Roofing to schedule your inspection.