Houston's storm calendar — spring hail, summer downbursts, hurricane-season wind and rain — writes most of this city's roofing claims. Storm work is part roofing, part documentation: the repair matters, and so does the paper trail that gets it paid for. We handle both, and we'll tell you plainly when damage isn't worth a claim.
Insurance adjusters approve what they can verify. Our storm inspections produce the file an adjuster works from: dated overall and close-up photos, marked test squares on hail-affected slopes, a slope-by-slope damage map, measurements, and a written scope separating storm damage from wear. We'll also tell you — in the same report — what is not storm damage. Filing a wear-and-tear roof as storm damage wastes your claim and your deductible; we won't help dress one up as the other.
Texas has no single universal claim deadline: your policy sets it. Two Houston-relevant facts, though:
Either way, the clock is unforgiving and old storms get hard to prove. If a storm crossed your suburb, get the inspection while the evidence is fresh. Once you file, Texas Insurance Code ch. 542 also sets deadlines your insurer must meet — 15 days to acknowledge and begin investigating, and prompt decision and payment windows after that.
Angi's 2026 figures put hail-damage repair between $700 and $4,000 when it's repairable damage. When hail or wind has damaged a large share of the roof, the honest scope is usually replacement — in Houston averaging about $9,752 — and that is the conversation where your documentation file earns its keep. Deductibles on Texas wind/hail claims are often a percentage of dwelling value, so the inspection report also gives you the number you need to decide whether a claim is worth filing at all.
Yes — that's the norm, not the exception. Hail fractures the shingle mat underneath the granules; the roof looks intact but its life is cut and leaks follow in later seasons. A hands-on inspection finds bruising by feel and in test squares. It costs nothing and it creates a dated record either way.
It can, and that's a decision to make with your agent and your deductible math in hand — not a reason to skip the inspection. Knowing the damage scope first is what makes the claim decision rational.
Free inspections are standard in this industry — ours included. The red flags are different: pressure to sign before you've seen documentation, offers to 'cover' or waive your deductible (that's insurance fraud in Texas, and a roofer offering it is telling you who they are), and contracts you can't take home and read. Take the inspection, keep the paperwork, decide at your own pace.
An inspector gets on the roof, checks the attic side too, photographs everything, and tells you — in writing — whether you need a repair, a replacement, or nothing at all. Most inspections take about an hour.