How to File a Houston Roof Insurance Claim After Storm or Hail Damage

William Martin
Jul 13
5 min read

If your roof in Houston, Texas was recently hit by hail or strong winds, you may qualify for a full roof replacement covered by your homeowner's insurance. But navigating the roof insurance claim process can be confusing, stressful, and time-consuming—especially after a major storm hits Greater Houston.

At Martin Roofing and Solar, we work with homeowners every day to help them get new roofs through their insurance providers. We offer free roof inspections in Houston, meet with the adjusters, and handle the full roof replacement with top-quality materials like IKO Dynasty shingles. Our goal is to make this process as easy, fast, and transparent as possible.

This guide explains exactly how to file a roof insurance claim in Houston after storm or hail damage, what to expect at each step, and how Martin Roofing and Solar helps you every step of the way. You can read all about home insurance coverages and tips for your roof here!

🌪️ Recent Houston Storms and Hail Damage Events

In 2024 and early 2025, major hail and wind storms struck:

The Woodlands (Grogan’s Mill, Alden Bridge, Creekside Park, Sterling Ridge, Cochran’s Crossing, Panther Creek)
Cypress, Texas
Fresno, Texas
Jersey Village, Texas
Atascocita
Spring, Texas

If your home is located in one of these neighborhoods and you haven't had a roof inspection, we highly recommend booking one today. Hail damage is often invisible from the ground. Here are just some of the hail maps from this year's storms. If you live in any of the above areas, give us a call and we can run a weather report on your address to see if you may have been impacted and eligible for a new roof covered by your home insurance.

🔎 Step-by-Step: How to File a Houston Roof Insurance Claim

Step 1: Book a Free Roof Inspection in Houston

Call or contact a trusted local roofing contractor in Houston like Martin Roofing and Solar. We offer:

Free, no-obligation inspections
Drone inspections for steep or unsafe roofs
Damage documentation (photos, storm date, itemized notes)
Experience spotting damage the untrained eye misses

We'll check your roof for signs of hail hits, lifted shingles, cracked vents, damaged flashing, and more. This is what storm and hail damage can look like. But read more about if you should file a roof claim here!

Step 2: Call In Your Insurance Claim For Your Roof

Once we confirm storm-related damage, we help you:

Call your insurance company
Report the date/time of storm (we track this for you)
Mention every affected item: gutters, downspouts, window screens, garage doors, drywall, interior water stains, fences, solar panels, painting, flashing, vents, etc.

We make sure no impacted components are left off your claim.

Helpful Tip: Check if your policy has a higher deductible for a named storm or hurricane. This applies in Texas due to specific policy terms.

Step 3: Insurance Sets the Adjuster Appointment

The adjuster visit is usually scheduled within 72 hours. Martin Roofing and Solar will:

Attend the meeting on-site with the adjuster
Advocate on your behalf
Make sure nothing is overlooked
Help answer any questions the adjuster has

This step is critical. Having a contractor present prevents the adjuster from rushing or missing damage.

Step 4: Claim Approval and Scope of Work

Once approved, your insurance will send a scope of work (a confusing, multi-page document). We:

Walk you through each line item
Explain what they covered (and what they didn't)
Clarify material choices, ventilation code items, and more

At this point, you'll pick your IKO Dynasty shingle color and get your roof installation scheduled.

We also handle all supplementation if the insurance missed items that must be paid.

Step 5: Roof Installation & Solar Panel Coordination (if needed)

Martin Roofing and Solar uses:

IKO Dynasty shingles with a 20-year non-prorated IronClad warranty
Certified labor crews
Same-day roof tear-off and replacement in most cases
Solar panel removal and reinstallation by our in-house team if you already have solar panels

Learn more about IKO's advantages here: IKO Dynasty Performance Shingles

Step 6: Final Inspection, Depreciation Release & Wrap-Up

After the roof is complete:

We file for your recoverable depreciation
You receive the final insurance check
We collect the final payment

Your only out-of-pocket cost is the insurance deductible, not the total roof price.

Do not get multiple bids to send to your insurance. That only helps the carrier save money. Instead, choose the best roofing company with the best materials.

📊 Why Choose Martin Roofing and Solar for Your Houston Roof Claim

Local, customer-first roofing company with 125+ 5-star Google reviews in Houston
We use IKO Dynasty, the best-performing shingle for Texas storms
Experience with all insurance companies, including:
- Allstate
- State Farm
- USAA
- Geico
- Sagesure
- Travelers
- Chubb
- Farmers
- Many more and almost all home insurance carriers
We help with re-inspections if wrongly denied
We provide emergency tarping
We handle roof replacements, repairs, financing, and solar panel work

You can read plenty of reviews just the one below both on our website and just from google!

🎧 Will Filing a Roof Insurance Claim Raise My Rates in Houston?

No! In Texas, hail, wind, and other "Acts of God" are not your fault. Insurance companies cannot raise your rates individually for filing a claim related to weather.

It’s the law. Read more: TDI - Can My Rates Go Up After a Weather Claim?

Bonus: A new roof can actually reduce your premium in some cases!

❓ Houston Roof Insurance Claim FAQs

Do I need to get multiple quotes?

No. Choose the contractor you trust. Your out-of-pocket cost is your deductible only, and insurance pays the rest. Getting multiple bids for your insurance will only help your insurance save money by paying out for the lowest bid- potentially compromising your roof!

What does hail damage look like?

It often appears as small black bruises on shingles, dented vents, or creased/lifted edges. It can very difficult to see from the untrained eye - making it well worth a FREE INSPECTION if you've recently had hail or a large storm with strong winds.

What if my claim is denied?

We can:

Provide further documentation
Request a re-inspection from your insurance
Help push your claim forward, especially with Allstate and State Farm-notorious for denying claims initially