First: protect people and prevent further damage
After severe weather, avoid climbing on a wet or damaged roof. Keep clear of downed power lines and unstable trees. If water is entering the home, protect belongings when safe, document damage and arrange qualified emergency mitigation. Follow your insurer's guidance on reasonable steps to prevent additional damage.
Document what you can see safely
Photograph interior leaks, ceiling stains, damaged gutters, fallen branches and visible exterior damage from the ground. Record the date of the storm and keep receipts for emergency work. Do not discard damaged materials until you understand your insurer's documentation requirements.
Hail damage is not always obvious
A dented gutter does not automatically mean every shingle requires replacement. Likewise, a roof may have functional damage that is not visible from the driveway. Ask a qualified roofer to explain the evidence, roof age, material condition and repair-versus-replacement rationale. For disputed or complex claims, consider independent professional evaluation.
Compare roof bids carefully
Specify the roofing system, underlayment, flashing, ventilation, decking allowance, tear-off, disposal, permits and manufacturer installation requirements. Ask whether damaged decking is included or treated as a change order. Clarify how penetrations, chimneys, skylights and valleys will be handled.
Understand the insurance process
Contact your insurer promptly, review your deductible and policy terms, and ask about deadlines. A contractor's estimate is not the same as a coverage decision. Do not let a contractor promise to waive or absorb your deductible; Texas law restricts deductible-related practices in property-insurance claims. Seek guidance from the Texas Department of Insurance or an attorney for specific disputes.
Check licensing and insurance locally
Texas does not impose a universal statewide roofing-contractor license for every residential project. Local rules may apply. Verify business identity, insurance, references and permit responsibilities before signing.
Watch for storm-chaser pressure
Beware of unsolicited demands for immediate signatures, assignments of benefits you do not understand, and claims that “insurance guarantees a free roof.” Obtain a written scope, payment schedule and warranty information. Keep control of your insurance communications.
Final walkthrough
Ask for photos of concealed repairs where useful, warranty documents, permit closeout where required, cleanup confirmation and a magnet sweep for nails. Inspect attic and ceilings after the next significant rainfall for signs of continued leakage.