Replacement cost vs. actual cash value
This is the most important thing to understand about a roof claim. Some policies pay the full current cost to repair your roof — replacement cost coverage. Others pay less based on the roof's age and wear — actual cash value (ACV). As roofs age, some Texas insurers switch from replacement cost to ACV, and if a roof is in poor condition, the insurer may decline to cover it at all.
Your wind & hail deductible is often different
In Texas, the deductible for wind and hail damage is frequently higher than the deductible for other types of damage — sometimes a percentage of your home's insured value rather than a flat dollar amount. Ask your agent to confirm your wind/hail deductible before a storm, not after.
What's covered — and what isn't
- Usually covered: sudden, accidental damage from a hail or wind event.
- Usually not covered: gradual wear, age, poor maintenance, or a roof at the end of its life.
- Insurers won't pay for a new roof just because the old one is worn out.
How to file a roof claim
- Get a professional, documented inspection with dated photos right after the storm.
- Review your policy's coverage type and wind/hail deductible.
- File the claim and meet the adjuster on-site with your documentation.
- Choose a licensed, insured roofer to complete the approved work to manufacturer spec.
Documentation is the single biggest factor in a smooth claim — which is why every Black Rock inspection is photo-recorded and kept in your Property Record™.
Frequently asked questions
Will my insurance go up if I file a roof claim?
It can, and a denied claim still goes on your record. Get a professional inspection first so you only file when there's genuine, documentable storm damage.
How long do I have to file a hail claim in Texas?
Deadlines vary by policy, but sooner is always better — evidence fades and most policies require prompt notice. Inspect after any significant hail event.