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Roof insurance claims in Texas: a homeowner guide
This page summarizes official Texas consumer guidance. It is not insurance advice, a public-adjusting service, or a promise about your policy. Read your policy and talk to your insurer or agent.
MoCo Roof Repair is a referral service, not an insurance agency, a law firm, or a public adjuster. The Texas Department of Insurance (TDI) is the official consumer source cited below. Policies differ. If you have a question about your coverage, call your company or TDI’s help line at 800-252-3439.
Wind and hail are often a different question than an old roof
Standard homeowners policies often cover sudden wind or hail damage to a roof, subject to the deductible and to the terms of the policy. They generally do not cover wear and tear, aging shingles, or a roof that has simply reached the end of its life. That distinction matters in Montgomery County, Texas, where hail reports cluster in spring and Gulf wind events show up in summer and fall, and where many asphalt roofs are at or past a typical 20-year life.
TDI’s consumer page on roofing and insurance is the better starting point than a generic article. After a storm, photograph the roof and any interior stains before you throw things out or make more than temporary repairs, and talk to your company before making permanent repairs. TDI’s disaster-claims FAQ says it is generally acceptable to make temporary repairs, that you should photograph the damage first, and that you should not make permanent repairs until you have talked to your insurance company.
Deductibles, and what no one here may offer
If a claim is covered, you are still responsible for the deductible in your policy. Under Texas Business & Commerce Code §27.02, a contractor may not advertise or agree to waive, rebate, or absorb a property-insurance deductible. TDI says the required deductible-payment notice must appear on contracts of $1,000 or more that involve an insurance settlement, and that advertising a waiver is itself a problem.
This site does not offer to pay, waive, or rebate a deductible. We will not use phrases such as “we’ll cover your deductible” or “free roof after insurance.” If a later-named partner ever described their work that way, we would not repeat it here.
We are not a public adjuster
Texas Insurance Code §4102.163 prohibits a contractor who may do the work from acting as a public insurance adjuster or advertising to adjust the claim. TDI’s examples of improper website language include offering to file the claim, negotiate the settlement, or “recover every dime you are owed.”
MoCo Roof Repair will not file your claim, negotiate with your insurer, or tell you that a claim “will be covered.” A partner contractor may document what they see, take photos, and give you a written estimate you can share with your insurance company. You remain the person who talks to the insurer. If you want a public adjuster, that is a different, separately licensed professional, and it is not this website or a roofing contractor doing the work.
No insurance paperwork should be photographed if it shows an account number or a name you do not have permission to publish. A better local photo is a storm-damaged roofline or a house in pines, taken from a public place in Montgomery County, Texas.
What we will and will not do
If you request an inspection, we forward the request to an independent partner contractor. That company may inspect the roof and give you an estimate. You remain the person who files and discusses any claim. We will not pressure you to sign a contract after a storm, and we will not present anyone as a public adjuster.
Phone: (XXX) XXX-XXXX Phone number coming soon. Calls may be recorded.
Sources cited on this page
- Texas Department of Insurance, Roofing and insurance: Know the law (page last updated March 24, 2025)
- Texas Department of Insurance, FAQ: Homeowners insurance and disaster claims
- Texas Business & Commerce Code §27.02 (insurance deductible advertising and agreements)