Texasstorm damage repair & claim deadlines
Texas leads the nation in hail and wind insurance claims, and its no-statewide-roofing-license environment makes vetting a contractor especially important. Find storm damage repair in your metro, and understand your Texas claim deadline before it lapses.
Storm climate
Why Texas sees so many storm claims
From the North Texas hail belt through the Hill Country to the Gulf coast's hurricane exposure, Texas sees more severe-weather property damage than any other state. Spring supercells bring giant hail to DFW and San Antonio, while the coast faces named-storm and wind risk, a range that means Texas homeowners deal with the full spectrum of storm claims.
Texas metros 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 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.
Have an active leak right now? Call (888) 555-0122 for 24/7 emergency response.
Storm damage in Texas? Talk to a vetted 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.