Texas homeowner guide · Property claims
Many routine home insurance claims can begin without a lawyer. The important part is to document the loss carefully, notify the insurer promptly, protect the property from additional damage and keep a complete record of the claim.
1. Document what happened
- Write down when you first noticed the damage and the weather or event associated with it.
- Take photos and video before permanent repairs are made.
- List damaged areas inside and outside the home.
- Keep damaged materials when practical until the insurer has had an opportunity to inspect them.
2. Protect the property from additional damage
Make reasonable temporary repairs such as tarping an exposed roof opening or covering a broken window. Save receipts. Avoid permanent repairs until the insurer has inspected the damage or gives you approval to proceed.
3. Notify the insurance company
Contact the insurer as soon as practical and follow the deadlines in your policy. Keep the claim number, adjuster’s contact information and a written log of important calls, emails and document requests.
4. Be available for the adjuster inspection
Walk the property with the adjuster when possible and make sure the visible damage is not overlooked. A roofing contractor can separately document construction conditions and prepare a repair or replacement estimate.
5. Compare the insurer’s estimate with the repair scope
If the contractor’s estimate differs from the insurer’s estimate, identify the specific construction items, quantities or damage conditions that differ and provide supporting documentation to the insurance company. Ask the adjuster to explain how the settlement estimate was calculated.
6. Understand the contractor’s role
Roofing Giant can inspect, document, estimate and perform roofing work. Texas law does not allow a contractor who may perform the work to act as a public insurance adjuster or negotiate the claim settlement for the policyholder.
7. Review your options if there is still a dispute
If you and the insurance company continue to disagree, review the dispute provisions in your policy and current Texas Department of Insurance guidance. The available options depend on the policy and the nature of the disagreement.
Texas consumer resources: Hail and wind damage claim tips · Working with an insurance adjuster.
Current roof-insurance process resources
This article is general information, not legal advice. For current Roofing Giant roofing-documentation resources, use the links below.