You found roof damage after a storm. You may need both a roofer and your insurance company. There is no one call order that fits every home. Handle urgent danger first, report damage promptly and get the roof checked.
Do not delay a required report while you wait for a roofer. You also should not leave an active leak unchecked while you wait for an adjuster.
If there is an immediate danger
Stay away from fallen wires, sagging ceilings and water near electrical fixtures. Call 911 if someone is in danger. Leave roof access and storm repairs to trained crews.
Once you are safe, ask a roofer about temporary protection. Tell your insurer about the damage and ask what records it needs. Keep receipts for steps taken to prevent more damage.
If you see damage but have no active leak
Call your insurer or agent to ask about your policy’s reporting rules. Then arrange a roof inspection . These steps can happen on the same day.
Take photos from the ground if it is safe. Write down when you first saw the damage. Be clear about what you know and what still needs to be checked.
If you are unsure whether there is roof damage
Dents on a gutter or shingles in the yard are reasons to get a closer look. They do not tell you the full repair cost or prove what your policy will cover.
An inspection can help you learn what work is needed. Ask your agent how to handle a possible loss and what notice your policy requires. Do not rely on a general online deadline.
What your roofer can explain
A roofer can show you damage, describe repair options and write an estimate. Ask what is included in that estimate. Roof size, access, materials and hidden deck damage can change the cost.
At Cox Brothers Roofing, our role is to inspect and repair roofs. We can explain the photos and work in our report. We do not decide coverage or negotiate a settlement for you. Texas law limits a contractor’s role on a claim for work they do or may do. See Section 4102.163 .
What to ask your insurance company
- How soon must I report the loss?
- What temporary work should I arrange?
- Does someone need to inspect before permanent repairs?
- What deductible applies?
- Does my policy subtract for the roof’s age or wear?
- What records are needed for any later payment?
Write down the answers and keep the messages. Ask for help if a term is unclear. The TDI home insurance guide explains common terms and dispute options.
Read the quote before you agree
Compare the repair scope with the insurer’s estimate. Ask each party to explain differences in its own figures. A higher roofing quote does not mean the insurer will pay the difference.
Plan to pay your deductible and any other costs you owe. A contractor cannot waive it. Be cautious of pressure to sign, blank contracts or a demand for full payment before work starts.
Arrange a storm inspection
Cox Brothers Roofing serves Cuero, Victoria, Goliad and nearby towns. Contact us or call (361) 277-0014 to have your roof checked. We can explain the repair work and give you a written estimate.
Frequently Asked Questions
Should I wait for a roofer before reporting damage?
Do not delay notice required by your policy. Report the loss promptly and arrange a roof inspection. Ask your insurer how to handle temporary and permanent repairs.
Does a roof inspection mean I have a covered claim?
No. It tells you about the roof’s condition and needed work. Your insurer reviews the cause of the loss and your policy to decide coverage.
Will the first payment cover the full roof cost?
It may not. Your deductible, policy limits and any deduction for age or wear affect payment. Ask your insurer what you owe and whether a later payment is available.
