Texasstorm damage repair & claim deadlines

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).

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

Yes — we match you with one vetted 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.