Will My Homeowners Insurance Cover My New Roof?

One of the most common questions we hear from homeowners is, “Will my insurance cover a new roof?” In Texas, the answer is usually yes. Due to our frequent wind and hailstorms, the majority of roof replacements in Texas are covered by homeowners' insurance. If your roof has been damaged by weather, there is a strong chance your policy will help cover the cost, especially when the damage is properly documented and presented.

Texas Storms Are Serious

In 2024, Texas experienced a significant increase in severe weather events. The state recorded 878 major hail events, the highest number in the nation. One particularly severe hailstorm on September 24 impacted over 93,000 properties.

Additionally, Hurricane Beryl made landfall near Matagorda, Texas, on July 8, 2024, causing widespread destruction. The storm resulted in over 2.7 million power outages and major damage to homes and infrastructure. The combined impact of hailstorms and hurricanes highlights the importance of timely roof inspections and repairs.

Worried About Your Rates Going Up? Here Is the Truth

Many homeowners hesitate to file a roof damage claim because they are afraid their insurance premiums will go up. This is completely understandable, but here is what most people do not realize.

Insurance companies often base your premium on the overall risk in your zip code, not just your individual claims. That means if a major storm hits your area, your rate may increase whether you file a claim or not. In fact, if dozens or hundreds of homes near you are damaged, the insurance company is likely adjusting rates across the entire region to reflect the risk.

By not filing a valid claim, you may still end up paying higher premiums and miss out on the opportunity to have your roof repaired or replaced at little to no cost to you.

At Remy’s Roofing, we walk you through the process so you can make an informed decision and get the most value out of your policy. If your home has storm damage, using your coverage is not just your right. It is what you have been paying for.

How Long Do You Have to File a Claim After Roof Damage?

One of the most important things to know after a storm hit is that you only have a limited time to file a claim with your insurance company. In most cases, Texas homeowners have up to one year from the date of the storm to file a claim for roof damage. However, this timeline can vary depending on your specific policy, the type of damage, and your insurance provider.

Delaying the process can hurt your chances of approval. Insurance companies may argue that damage came from normal wear and tear rather than a specific storm event if too much time has passed. That is why we always recommend scheduling a professional inspection as soon as possible after a major storm, even if you do not see obvious damage from the ground.

At Remy’s Roofing, we document everything and help ensure your claim is filed properly and on time, so you do not risk missing out on coverage you are entitled to.

What If My Claim Was Denied or Only Partially Paid?

If your insurance company has already denied your claim or only approved a small portion of the costs, do not give up. At Remy’s Roofing, we have years of experience working directly with insurance companies and understand how to navigate the appeals process. We have helped many homeowners get previous denials reversed or receive full approval after an initial partial payment. We work with you to document the damage properly and provide the evidence insurers need to take a second look.

Let the Professionals Handle It

Filing an insurance claim for roof damage can feel like a confusing process, but you do not have to go through it alone. Our in-house insurance specialists understand the details of these policies and know what adjusters are looking for. From your free inspection to final approval, we are with you every step of the way.

Think your roof may have storm damage? Schedule a free, no pressure inspection today. We will inspect your roof, explain your options, and help you determine if you qualify for coverage.

With Remy’s Roofing, you are not just getting a new roof. You are getting a trusted partner who knows how to protect your investment.

Call us at 832 364 4105 or email Remy@RemysRoofing.com to get started.