Roof insurance claims in Texas can be confusing and stressful—especially after a hurricane, hailstorm, or strong winds hit your home. Whether you’re in Houston, Dallas-Fort Worth, Austin, or San Antonio, dealing with roof damage is tough. That’s why Ernie Smith & Sons Roofing is here to help you navigate the process and get your roof repaired or replaced quickly, affordably, and with expert care.
Homeowners’ insurance in Texas often covers the cost of roof repairs or even a full replacement after storm damage.
At Ernie Smith & Sons Roofing, trusted by thousands across Houston, Dallas, Austin, San Antonio, and surrounding communities, we help Texas homeowners navigate insurance claims to get their roofs restored quickly and affordably. Here’s everything you need to know about roof insurance claims in Texas.
What Types of Roof Damage Does Insurance Cover in Texas?
Most standard homeowners insurance policies in Texas cover sudden and accidental roof damage caused by:
- Hurricanes and tropical storms affecting Houston and the Gulf Coast
- High winds and flying debris common in Dallas and Fort Worth
- Hailstorms frequently impacting Austin and San Antonio areas
- Falling trees or branches across East Texas communities like Beaumont and Port Arthur
- Heavy rain associated with storm events throughout Central Texas
Wear and tear or old age are not covered under typical policies.
What to Do After Storm Damage in Houston, Dallas, Austin, or San Antonio
After a severe weather event in major Texas cities like Houston, Dallas, Austin, or San Antonio, follow these steps to maximize your insurance claim success:
- Stay safe; avoid climbing on your roof.
- Call Ernie Smith & Sons Roofing for a free roof inspection in Houston, Dallas, Austin, or San Antonio.
- Document all visible damage with photos inside and outside your home.
- File a claim with your insurance provider promptly.
- Let our team coordinate with your insurance adjuster to ensure thorough documentation.
Why Texas Homeowners Trust Us for Insurance Claims
Our local roofing experts have decades of experience working with Texas insurance companies and adjusters in:
- Houston and surrounding suburbs like Sugar Land, Cypress, and Pearland
- Dallas-Fort Worth metroplex cities including Plano, Frisco, and Arlington
- Central Texas communities like Round Rock, New Braunfels, and San Marcos
- Gulf Coast cities including Galveston, Corpus Christi, and Victoria
We provide detailed inspections, help understand your policy coverage, and assist with claim appeals to make sure you get the full payout you deserve.
What Does Insurance Cover in Texas, and What Will I Pay?
| Item | Covered by Insurance in Texas? |
| Hurricane & wind damage (Houston, Dallas, Austin) | ✅ Yes |
| Hail damage (Austin, San Antonio, Dallas) | ✅ Yes |
| Normal aging (all Texas regions) | ❌ No |
| Structural upgrades (Texas homes) | ❌ Usually not |
| Policy deductible (varies by Texas insurance plan) | 🚨 Paid by homeowner |
Understanding Texas Insurance Deductibles
In Texas, deductibles usually range from 1% to 2% of your home’s insured value. For example, if your Houston home is insured for $300,000, your deductible might be $3,000.
Our flexible financing options help homeowners in Houston, Dallas, Austin, and San Antonio cover this deductible with manageable monthly payments.
Serving Texas Communities with Insurance Expertise
Whether you live in Houston, Dallas, Austin, San Antonio, or nearby areas like Galveston, Corpus Christi, Frisco, or Round Rock, Ernie Smith & Sons Roofing is your trusted partner for:
- Free roof storm damage inspections
- Insurance claim support and documentation
- Financing to cover deductibles and repairs
