How Long Do You Have to File a Roof Claim in Texas?
Four different clocks run on a Texas roof claim, and most articles mix them up. What your policy sets, what state law sets, and what TDI sets.
texas roofing
The Whole Street Is Getting New Roofs. Do You Need One?
Your neighbors are all replacing their roofs after the storm. Why that is not evidence about your roof, and the two free checks that settle it.
Storm Damage Photos That Survive an Adjuster’s Review
What your storm damage photos actually need to show, what a homeowner can document from the ground, and the limit of what a photo can prove.
Emergency Roof Tarping: Cost, and Why Not to Do It
Water is coming in after a storm. What a roof tarp is really for, why your policy expects one, and why tarping is not a homeowner job.
Missing Shingles After a Storm: Urgent Tonight or Not?
Three shingles gone after a windstorm. How to judge from the ground whether it is a tonight problem, a this-week problem, or neither.
Wind Damage vs Hail Damage: Not the Same Roof Claim
One storm, two perils. What changes when roof damage is called wind instead of hail, what does not, and why Texas deductibles rarely settle it.
How to Read a Roofing Estimate Line by Line
Read a roofing estimate line by line: what a real estimate must spell out, where padding hides, and how to spot a lowball that quietly skips tear-off.
The Test Square: How Adjusters Actually Count Hail Hits
What a roof insurance adjuster’s test square actually is, what counts as a hit, and why the hit threshold for replacement varies by insurer.
What Size Hail Actually Damages a Roof
A size-by-size guide to what hail actually does to an asphalt shingle roof in Texas, and why size alone never settles whether you have real damage.
Functional vs Cosmetic Hail Damage: What Gets Paid
The one distinction that decides a Texas roof insurance payout after hail: functional damage vs cosmetic, and why the difference isn’t always visible.