How to file a hail or storm damage claim in Texas

Texas homeowners know that severe weather — especially hail and windstorms — can strike fast and leave costly damage. If your property has been affected, filing a claim quickly and correctly can help you recover faster. Below is a neutral, step-by-step guide. This is not legal advice — it's a general overview to help you understand what to expect.

In this guide we'll walk through documenting the damage, understanding your deductible, working with the adjuster, and avoiding the common mistakes that slow a claim down.

Step 1: Document the damage

Before you touch anything, take photos and videos of all affected areas — roof, siding, windows, gutters, outdoor equipment, and vehicles if applicable. Capture wide shots for extent and close-ups for detail. If it's safe, note the date and time of the storm, which helps your insurer verify the claim.

Tip: if you have "before" photos of your property, include them for comparison.

Step 2: Review your policy and deductible

Pull out your homeowners policy and check:

• Coverage limits — what's included (roof, structure, personal belongings)?
• Deductible — Texas policies often have a separate, higher deductible for wind/hail, written as a percentage of your home's insured value rather than a flat dollar amount. See our full breakdown of how the wind and hail deductible works so you know what you'll pay out of pocket before you call your insurer.
• Exclusions — some policies exclude cosmetic damage or have waiting periods.

If you're unsure, call your insurer or agent for clarification.

Step 3: Contact your carrier promptly

Most insurers require claims within a set window (often 30–90 days). Call the claims hotline or file online. Have ready:

• Policy number
• Date/time of the storm
• Description of the damage
• Your documentation (photos/videos)

Ask about next steps — whether they'll send an adjuster or want repair estimates first.

Step 4: Prepare for the adjuster's visit

Your insurer will assign an adjuster to inspect. To streamline it:

• Be present to point out all damage.
• Provide your documentation and any receipts for temporary repairs.
• Ask what's covered, how long the assessment takes, and whether further inspections are needed.

Note: adjusters work for the insurance company; their assessment may differ from a contractor's estimate.

Step 5: Get independent repair estimates

While waiting for the adjuster's report, get written estimates from at least two licensed contractors. This helps you compare to the adjuster's findings, support a discussion if the payout seems low, and choose a reputable contractor.

Warning: avoid contractors who pressure you to sign immediately or demand large upfront payments.

Step 6: Keep detailed records

Save everything: claim number and adjuster contact, all calls/emails with your insurer, contractor estimates and invoices, and receipts for temporary repairs (e.g., tarping a roof). This paper trail matters if a dispute arises.

Step 7: Review the settlement offer

When the adjuster's report comes back, compare the offer to your policy coverage, your contractor estimates, and your deductible. If it seems low, you can provide additional evidence or a third estimate.

Step 8: Proceed with repairs

After accepting a settlement: choose a licensed, reviewed, insured contractor; schedule promptly to prevent further damage (leaks → mold); and pay your deductible to the contractor.

If you're also rethinking your coverage

A bad storm season has a way of making you re-examine your policy. If your claim experience — or a non-renewal notice — has you shopping, see our guide on what to do after a non-renewal, or compare independent agency vs. direct carriers to understand your options. Credify — a licensed Texas insurance agency — can help you compare quotes from multiple licensed Texas carriers to find coverage that fits your needs.

Key facts

• Most insurers set a claim-filing window of 30 to 90 days from the date of loss — file promptly to avoid missing it.
• A Texas wind/hail deductible is a percentage of your home's insured value, not a flat amount — know the dollar figure before the adjuster's report arrives.
• Getting at least two independent contractor estimates gives you a basis for comparison if the adjuster's settlement offer seems low.

Take the next step

File promptly, document everything, and know your deductible — those three habits smooth out almost every claim. And if this storm has you questioning your coverage, compare your options across multiple licensed Texas carriers before your next renewal.

→ Compare with Credify — one short form, multiple licensed Texas carriers, no obligation. 📞 Talk to Credify 24/7.

This article is for informational purposes only and does not constitute legal or insurance advice. Always consult your insurer or a licensed professional for guidance specific to your situation.

We compare quotes from multiple licensed Texas carriers; each insurer has sole responsibility for its products.

Credify is a licensed insurance agency in Texas. License TX #3309669 · NPN 21516523.

Coverage varies by insurer. Please review policy documents for complete details.