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Texas storm damage repair & claim deadlines

From hail and damaging wind to your filing deadline, here's storm damage repair across Texas: browse your county, get matched to an independent local pro, and see how Texas claim rules affect you.

Storm climate

Why Texas sees so many storm claims

Texas leads the nation in hail and wind insurance claims, but it is far too large for one storm profile: the north and centre of the state take spring supercell hail, the Gulf coast takes named-storm wind and wind-driven rain, and the west is drier with more isolated but still destructive convective wind. Tornadoes are a statewide spring threat. Across Texas's 254 counties, the roofs most exposed to hail and damaging wind see the heaviest claim volume during the spring severe season (and the summer–fall Gulf hurricane season).

Statewide framing only goes so far in a state this varied. Texas carries at least 4 distinct storm regimes — the North and Central Texas hail corridor, the Gulf coast, far West Texas and the Trans-Pecos, and the South Plains and Panhandle — and each county page below says which one it sits nearest rather than applying one pattern to all of them.

Texas counties we serve

Find storm damage repair in your county — the pros we match you with are vetted for licensing and insurance. Largest Texas counties first:

All 254 Texas counties

Largest Texas cities we serve

Texas claim deadline

Filing deadlines & deductibles in Texas

Reporting: Texas: report promptly. Many current Texas homeowners policies require you to report property damage within 1 year of the date of loss, some carriers apply that as a hard claim-filing deadline.

Deadline: General guidance: since the 2017 reforms (Insurance Code Ch. 542A), the window to sue on many weather claims is commonly around 2 years, and Texas's breach-of-contract limit is 4 years, but your policy's terms and required pre-suit notice control. Verify your specific deadline; do not rely on this figure.

Deductibles: Texas wind/hail policies frequently carry a separate percentage deductible (often 1%–2% of dwelling coverage) instead of a flat amount.

General information, not legal advice — verify with Texas Department of Insurance (tdi.texas.gov). For the full picture, read our claim time limits by state and roof deductibles guides.

Texas storm claim FAQ

How long do I have to file a storm damage claim in Texas?

General guidance: since the 2017 reforms (Insurance Code Ch. 542A), the window to sue on many weather claims is commonly around 2 years, and Texas's breach-of-contract limit is 4 years, but your policy's terms and required pre-suit notice control. Verify your specific deadline; do not rely on this figure. Texas: report promptly. Many current Texas homeowners policies require you to report property damage within 1 year of the date of loss, some carriers apply that as a hard claim-filing deadline. This is general information, not legal advice — verify your specific deadline with Texas Department of Insurance (tdi.texas.gov).

How do Texas wind and hail deductibles work?

Texas wind/hail policies frequently carry a separate percentage deductible (often 1%–2% of dwelling coverage) instead of a flat amount.

Are the contractors you match me with in Texas licensed and insured?

Yes — we match you with one independent local roofing or restoration contractor screened for active licensing (where Texas or the local jurisdiction requires it) and insurance. We're a referral service, not a contractor, so always verify credentials before signing; the independent pro is responsible for the work.

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Storm damage in Texas? Talk to an independent local pro.

Call for 24/7 emergency response, or take the 60-second quiz. A licensed local pro inspects for free and helps with your claim.

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