Texas storms damage thousands of roofs every year. Here's how to file a claim that actually gets approved.
Document the damage first
Before you touch anything, photograph the roof, the gutters, and any interior water stains, and note the date of the storm. Clear, time-stamped evidence is the single biggest factor in whether a claim is approved.
Know your policy and deductible
Most Texas policies cover sudden storm and hail damage but not wear and tear. Read your declarations page for your wind/hail deductible—it's often a percentage of your home's value, not a flat fee—so you know what's actually worth claiming.
Meet the adjuster with a roofer present
Adjusters move fast and can miss damage. Having a roofer on the roof during the inspection means bruised shingles, dented vents, and torn flashing get documented instead of overlooked, and you get a fair scope of work.
Common reasons claims get denied
Waiting too long to file, pre-existing wear, and incomplete documentation sink most claims. File within your policy's window, keep every photo and receipt, and don't authorize permanent repairs until the claim is settled.
Storm damage on your roof? Purlin documents the damage, meets your adjuster, and handles the paperwork—in most cases you only pay your deductible.
Not sure if you have damage?
We'll do a free 21-point inspection and document everything for your claim.
