How to File a Roof Insurance Claim After a Storm in Plano, TX

Texas weather is notoriously unpredictable — one day it’s sunny and dry, the next day a powerful storm rolls through, leaving behind roof damage that needs immediate attention. If you live in Plano, TX, and your roof has taken a hit from wind, hail, or heavy rain, filing a roof insurance claim can feel like a daunting process. But don’t worry — this step-by-step guide will walk you through how to file a roof insurance claim the right way and ensure you get the coverage you deserve.

Step 1: Inspect Your Roof for Visible Damage

Once the storm passes and it’s safe to go outside, take a preliminary look at your roof from the ground. Look for signs of storm damage such as:

• Missing or cracked shingles
• Shingle granules in your gutters
• Dents on vents, flashing, or gutters
• Water stains on ceilings or in the attic

While a visual check is a good start, always follow up with a professional inspection to catch hidden issues.

Step 2: Contact a Trusted Roofing Contractor

Before calling your insurance company, it’s wise to have a certified roofing expert evaluate the damage and provide a written estimate. A reputable roofing contractor in Plano will document the damage with photos and give you a detailed report — critical information for your insurance claim.

If you need a local expert, Str8 Forward Roofing offers prompt, professional inspections and specializes in roofing Plano TX storm damage repairs.

Step 3: Review Your Insurance Policy

Not all insurance policies are created equal. Some cover full replacement costs, while others cover actual cash value (ACV), which factors in depreciation. Take time to:

• Read the section on “Dwelling Coverage” or “Roof Coverage”
• Note your deductible
• Understand what types of damage are excluded (e.g., wear and tear)

Your roofer can help clarify which damages are likely to be covered based on your policy.

Step 4: File Your Insurance Claim Promptly

Most policies have a limited window (usually within 1 year) to file a claim after the damage occurs. Call your insurance company or file online, and provide:

• The date and time of the storm
• Description of the damage
• Contractor’s inspection report and photos

Be honest, detailed, and keep a record of all communications with your insurer.

Step 5: Schedule the Adjuster Inspection

Your insurance company will send an adjuster to inspect the damage. Here’s how to make that go smoothly:

• Be present during the inspection if possible
• Have your roofer present to advocate for you
• Share your contractor’s report and photos

This ensures nothing is overlooked and your claim is accurately assessed.

Step 6: Review the Insurance Estimate

After the adjuster completes their inspection, you’ll receive a repair estimate. Review it carefully with your roofing contractor. If the estimate is too low or something was missed, your roofer can help file a supplement request.

Step 7: Begin Roof Repairs

Once approved, your insurance company will issue payment, and your roofing contractor can begin repairs. A good roofer will:

• Use high-quality materials
• Comply with local Plano building codes
• Back their work with warranties

This is where working with a trusted local contractor like Str8 Forward Roofing makes a huge difference.

Final Tips for Plano Homeowners

• Don’t delay inspections after a storm — minor issues can worsen fast
• Avoid “storm chasers” who pressure you into signing contracts on the spot
• Keep all receipts and paperwork for insurance and tax purposes
• Consider roof upgrades like impact-resistant shingles to lower premiums

In Conclusion

Filing a roof insurance claim in Plano, TX doesn’t have to be overwhelming. With the right preparation and a reliable roofing partner, you can navigate the process with confidence. If your home has recently suffered storm damage, start with a trusted inspection and let professionals guide you through the rest.