August 28, 2026
Texas homeowners know that severe weather can be hard on a roof. Hail and high winds can damage shingles, flashing, vents and other parts of your roofing system in a matter of minutes.
One of the first questions homeowners ask after a storm is:
"Will my homeowners insurance pay for my roof?"
The answer depends on your individual insurance policy and the circumstances surrounding the damage. However, understanding how the process works can make things much less confusing.
Many Texas homeowners policies provide coverage for hail and wind damage, but coverage varies by policy.
The Texas Department of Insurance explains that homeowners should review their specific policy to understand what is covered, how the roof is insured and what deductible applies.
That means you shouldn't assume that every roof replacement will automatically be covered.
Your insurance policy matters.
One important factor is the age and condition of your roof.
Some insurance policies provide replacement-cost coverage, while others may pay based on the roof's actual cash value. Actual cash value generally takes depreciation into account.
For example, an older roof may not receive the same level of reimbursement as a newer roof under certain policy structures.
The Texas Department of Insurance recommends that homeowners check whether their roof information, including its age and material, is accurately reflected on their policy.
Your deductible is the amount you're responsible for before your insurance company pays covered expenses.
Some Texas policies have a separate deductible for wind and hail damage, and it may be different from your standard homeowners deductible.
For example, your policy might have one deductible for certain types of losses and a different percentage-based deductible for wind and hail.
Before filing a claim, it's a good idea to understand what your policy says.
If you believe your home has been damaged, start documenting what you can safely see.
Take photos and videos of:
The Texas Department of Insurance recommends documenting damage and contacting your insurance company promptly. It also recommends making temporary repairs when necessary to prevent further damage while avoiding permanent repairs before the damage has been properly evaluated.
A professional roof inspection can help you understand the physical condition of your roof.
A qualified roofing contractor can inspect the roofing system, identify visible storm damage and document what they find.
Your insurance company will still make the determination regarding coverage under your policy.
A good roofing contractor should not promise that your insurance company will approve your claim.
Instead, they should help you understand the condition of your roof and provide documentation that can be useful during the process.
Not simply because your roof is old.
The Texas Department of Insurance specifically notes that homeowners insurance generally does not pay for a new roof simply because an existing roof is old or worn out. Coverage depends on the policy and the cause of the damage.
If a covered storm event causes significant damage, however, your policy may provide coverage according to its terms.
The process can vary, but homeowners will generally need to:
The Office of Public Insurance Counsel recommends keeping records of communications, estimates, receipts and repairs throughout the claim process.
If a hailstorm has recently passed through your Arlington, Fort Worth or DFW neighborhood, don't assume your roof is fine simply because you can't see damage from the ground.
Start with a professional inspection.
Lonestar RAC can inspect your roof for signs of storm damage and help you understand what we find. If damage is present, we'll explain the condition of your roof and help you navigate the next steps.
Think your roof may have hail damage? Contact Lonestar RAC for a storm-damage roof inspection in the DFW area.
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