BLOG 🧾 Homeowner’s Guide to Filing a Roof Insurance Claim in Texas Jul 22, 2025

Storm Just Hit? Here's How to File a Roof Insurance Claim Like a Pro

Living in Texas means dealing with severe weather—hail, high winds, torrential rain, and hurricanes. If your roof has been damaged in a recent storm, filing an insurance claim can feel overwhelming. But with the right steps (and the right contractor by your side), you can protect your home and your wallet.

At E & E Roofing, we help homeowners throughout Houston, Baytown, Pearland, Cypress, and Katy handle the insurance process from start to finish. Here’s what every Texas homeowner needs to know about filing a roof insurance claim.

📋 Step 1: Inspect Your Roof for Storm Damage

After a major weather event, don’t wait—check for signs of damage such as:

• Missing or lifted shingles
• Hail dents or bruising
• Leaks or water stains on ceilings
• Damaged flashing or gutters
• Granules in your downspouts or yard

⚠️ Warning: Not all damage is visible from the ground. That’s why we offer free, professional roof inspections to uncover hidden problems before they escalate.

📸 Step 2: Document the Damage

Insurance companies need proof. The more documentation you provide, the smoother your claim will go.

✅ Take clear photos of:

• Damaged shingles
• Broken gutters
• Roof punctures
• Water stains inside your home
• Debris or fallen branches

Keep a copy of your homeowner’s insurance policy and note the date and time of the storm.

📞 Step 3: Contact E & E Roofing Before Your Insurance Company

Here’s why: Insurance adjusters work for the insurer—not you.

But at E & E Roofing, we work for YOU.

We’ll:

• Perform a full inspection
• Document storm damage with photos
• Meet with your adjuster on-site to advocate for full, fair coverage
• Handle all necessary paperwork
• Provide a fair, detailed estimate for the work

You don’t pay out of pocket unless your insurance provider denies the claim—and we’ll help you appeal, too.

🏠 Step 4: File Your Claim

Call your insurance provider and let them know your roof has storm damage. Provide them with your photos and let them know your roofing contractor (that’s us!) has already documented everything.

They will likely schedule an adjuster visit—we recommend having E & E Roofing present during the inspection to ensure nothing gets missed.

🛠️ Step 5: Schedule Repairs with a Licensed Roofing Contractor

Once your claim is approved, it’s time to schedule your roof repair or replacement. E & E Roofing will:

• Pull any required permits
• Use high-quality materials (asphalt shingles, TPO, metal, etc.)
• Complete the job on-time and within your insurance budget
• Offer warranty-backed craftsmanship

🧾 Bonus Tip: Know Your Coverage

Most homeowner’s insurance policies in Texas cover:

• Wind damage
• Hail damage
• Falling tree limbs
• Leaks caused by storm impact

But they don’t always cover roof neglect or wear and tear. That’s why annual inspections are so important.

💼 Why Homeowners Across Houston Trust E & E Roofing

We’ve helped countless clients in:

✅ Baytown

✅ Pearland

✅ Cypress

✅ Pasadena

✅ Katy

✅ Spring

✅ The Woodlands

…and all over Houston navigate the insurance claim process with confidence.

With free roof inspections, honest assessments, and a deep understanding of Texas insurance standards, we’re the go-to roofer for storm recovery and insurance-backed roof replacements.