When you first spot roof damage after a storm, it’s easy to feel overwhelmed. You’re suddenly dealing with leaks, potential structural issues, and the stress of figuring out how to handle insurance—fast.
You might wonder who to call, how bad the damage really is, or if your policy will even cover it. That’s where understanding the steps to take next becomes crucial. With the right information and a trusted partner for roof damage repair Plano, you’ll feel more confident navigating the process and getting your home back to normal without added headaches.
Roof Damage Repair Plano, TX
When your roof takes a beating from Texas weather, the type of damage depends on what kind of storm just rolled through.
Here’s what you’re up against:
- Windstorms & Tornadoes – High winds can rip off shingles, lift flashing, or even compromise your roof’s structure.
- Hailstorms – Hail hits hard, denting shingles and damaging granules. In fact, Plano saw 13 hail events within 10 miles of the city center in 2025, leading to a spike in hail damage roof repair Plano homeowners had to deal with. That’s a lot of claims and a lot of hidden roof damage.
- Fallen Trees & Debris – Strong gusts can bring trees down fast, leaving punctures or large breaches in your roofing system.
One heavy branch can puncture right through the roof. That’s why it’s so important to get your roof inspected after a storm, even if you don’t see anything from the ground. You need to document everything clearly to file a strong claim with your insurance.Not sure what to check for? Here’s a step-by-step guide on what to do right after a storm hits your home.
Home Insurance Roof Claims: How It Works?
So, how does insurance actually handle roof damage? Here’s what you need to know:
What Insurance Typically Covers
Most homeowners insurance policies cover damage from hail, wind, tornadoes, and fallen trees. Depending on the adjuster’s report, insurance could cover some or even all of the repair costs.
Deductibles for Wind and Hail Damage
Some policies have separate deductibles for storm-related damage. So while your regular deductible might be $1,500, your wind/hail deductible could be based on a percentage of your home’s value. For example, if your home is worth $300,000 and your wind/hail deductible is 2%, that’s $6,000 before insurance pays a cent.
Actual Cash Value (ACV) vs. Replacement Cost Value (RCV)
- Actual Cash Value (ACV): Covers the depreciated value of your roof. You’ll likely pay more out-of-pocket.
- Replacement Cost Value (RCV): Covers the full cost of replacing your roof, minus your deductible.
Impact of Roof Age and Condition on Coverage
If your roof is old or hasn’t been properly maintained, insurance might not cover everything—or anything. That’s why regular checkups and quick fixes matter. A well-kept roof is your best bet for full coverage when it counts.
Roofing Insurance Process: Step-by-Step Guide
Filing a roof insurance claim doesn’t have to be overwhelming. When your roof takes a hit in Plano—from hail, wind, or falling debris—you need a clear plan to protect your home and your wallet. Here’s a step-by-step guide to make the process less stressful and a whole lot smoother.
Step 1: Inspect and Document the Damage
First things first—take a close look at your roof. You need solid evidence of the damage before you contact your insurance provider. Grab your phone or camera and start snapping photos from different angles.
Get close-ups of missing shingles, dents, cracked areas, and anything that looks off. Don’t forget to check inside your home too—stains, leaks, or damp spots on the ceiling should be documented as well.
Tip: If it’s safe, cover any open areas with a tarp to prevent further damage. And yes, take pictures of those quick fixes too. Everything you do counts when it comes time to file your claim.
Step 2: Get Storm Damage Insurance Help from Professionals
This part can save you time, money, and a major headache. Bring in a local roofing pro who knows what they’re doing. A reputable company (like us) will give you a detailed inspection, catch damage you might’ve missed, and help with your insurance paperwork. Plus, we can meet with the adjuster on your behalf and make sure nothing slips through the cracks.
Step 3: File a Roof Insurance Claim
Once you’ve got your photos, notes, and a professional inspection report, it’s time to file your claim. The sooner, the better—most insurance policies have time limits, and you don’t want to miss your window.
When your adjuster comes out, give them everything: photos, estimates, and even videos if you have them. Be clear, be detailed, and stay involved. Your roofing contractor can also help talk through any concerns with the adjuster to make sure you’re getting a fair evaluation.
Step 4: Receive the Insurance Adjuster’s Report
After the inspection, you’ll get a report from the adjuster. This outlines what they’re covering, how much they’ll pay, and how much you’re responsible for (your deductible).
Tip: Don’t take the report at face value if something feels off. Roofing contractors often offer a second opinion and can point out if the adjuster missed any damage. It’s your roof—you have the right to question the report and ask for a re-evaluation if needed.
Step 5: Claim Approval and Payout
Once your claim is approved, the insurance company will issue a payout. If you have an Actual Cash Value (ACV) policy, you’ll get money based on the depreciated value of your roof. If you have a Replacement Cost Value (RCV) policy, expect two payments: one upfront for the ACV, and another once the work is finished to cover the full replacement cost.
Understanding which type you have can help you plan financially for what comes next.
Step 6: Begin Roof Repair and Submit Final Documentation
Once the repairs are done, you’ll need to submit proof of the work—like the final invoice, photos of the completed job, and any other documents your insurer asks for. If you’re waiting on that second RCV payment, this is the time to request it.Tip: Keep every receipt, photo, and email in one place. It’ll save you time if there are delays or questions, or if you ever need to revisit the claim later.
Common Pitfalls to Avoid During Roofing Claim Process
When you’re dealing with roof damage, it’s easy to make a few missteps—especially if it’s your first time filing a roof insurance claim. Here are some common mistakes to watch out for and how you can avoid them:
- Delaying the Claim Process: Insurance policies usually have strict time limits after a storm. The longer you wait, the harder it is to get things moving—and the more risk you run of the claim being denied. Report damage as soon as possible.
- Underestimating the Damage: You might think your roof looks fine from the ground, but serious issues can go unnoticed without a professional inspection. If you miss something early on, it likely won’t be included in your claim.
- Choosing the Wrong Contractor: All roofers aren’t the same. If you hire someone without the right license, insurance, or storm claim experience, you could end up with sloppy work—and an even bigger insurance headache.
- Not Understanding Your Coverage: Before filing anything, go through your policy. Know what’s covered, what’s not, and where your deductibles fall. It helps you avoid surprises and make smarter decisions throughout the process.
Contact the Best Roofing Company Plano, TX
If you’re looking for a roofing team that knows exactly how to handle storm damage, inspections, and insurance claims from start to finish—Acorn Roofing is your go-to. We use advanced diagnostic tools to identify all the damage, even the stuff you can’t see. Our team is licensed, bonded, insured, and ready to guide you every step of the way.
From detailed damage reports to clear communication with your insurance company, we’ve got you covered. Whether you need storm damage repair or full roof replacement, we make the process smooth and stress-free. We’re committed to your satisfaction, offer free, no-obligation estimates, and follow every industry standard to get your roof done right.
Need help with roof damage repair Plano? Call us now at (214) 437-7353 to schedule your free consultation and get expert help with your roof insurance claim today.
