A hailstorm tears through your neighborhood. The next morning you spot a few dented gutters, some granules washing into the driveway. Maybe there's a soft spot you notice when you poke your head into the attic. You know something happened — but you're not sure what to do next, and you don't want to get tangled up in an insurance process that drags on for months.

We've helped hundreds of Houston homeowners navigate exactly this situation. Here's what the process actually looks like — and how to protect yourself every step of the way.

Why Acting Quickly Matters

Insurance policies typically require that storm damage be reported within a certain window — often one year, sometimes less. More importantly, the longer you wait, the harder it is to prove that damage was storm-related versus wear-and-tear. Getting a professional inspection right after a storm is one of the most important things you can do to protect a future claim.

As noted in our FAQ, we recommend scheduling an inspection as soon as possible after a storm. We serve all of Houston metro — including Cypress, Spring, Katy, The Woodlands, Tomball, Magnolia, Conroe, and more.

Step-by-Step: The Claims Process

Document Everything Before You Touch Anything

After the storm, photograph your roof from the ground, your gutters, any indoor water stains, and exterior property damage. Don't make permanent repairs before your insurance adjuster has seen the damage — temporary fixes (like tarping) are fine and often necessary, but permanent work before an inspection can complicate your claim.

Call Homerun Roofing for a Free Inspection

Before you call your insurance company, get a professional contractor on the roof. We'll document the damage in detail, give you our assessment, and help you understand what you're actually dealing with. This gives you a clear picture going into the claims conversation and ensures nothing gets missed.

File Your Claim With Your Insurer

Once you have documentation, contact your homeowner's insurance company to report the damage. Be clear about the date of the storm and the type of damage. Provide your photos and any written assessments you've received.

Be Present for the Insurance Adjuster Visit

When your insurer sends an adjuster to inspect the roof, you have the right to have your contractor present as well. We strongly recommend having a Homerun Roofing representative on-site. We can point out damage the adjuster might overlook and ensure the scope of damage is accurately captured.

Review the Estimate Carefully

Your insurer will provide a scope of loss and an estimated payout. Compare this against our assessment. If there are discrepancies — and sometimes there are — we can help you understand your options, including supplementing the claim for items that were missed.

Schedule the Work

Once your claim is approved, we'll schedule your replacement or repair. Most complete roof replacements are done in a single day. We'll take care of prep, protection of your property, and full cleanup — and we stand behind our work with both manufacturer warranties and our own workmanship warranty.

Heads up: We offer emergency roof tarping year-round to protect your home immediately after storm damage — before your claim is even filed. Don't let a damaged roof sit exposed while you wait. Call us at 713-340-7655 for emergency help.

Common Mistakes That Hurt Claims

Avoid These Common Errors

• Waiting too long — damage can worsen, and deadlines can pass
• Making permanent repairs before the adjuster visits
• Not having a contractor present during the adjuster's inspection
• Accepting a low initial estimate without reviewing it carefully
• Hiring an unlicensed contractor or storm chaser that won't be around for warranty issues

What Materials Will Be Used on My New Roof?

When your claim is approved and replacement is authorized, material quality matters for the long term. We install 30-year laminated architectural shingles from trusted manufacturers:

CertainTeed — Our top pick for Houston homes, the CertainTeed Landmark series offers excellent storm resistance and a wide range of color options. Our FAQ specifically recommends these as best suited for Houston's heat and humidity.

TAMKO — The TAMKO Heritage series is a high-value, USA-made option with solid wind resistance ratings and strong warranty coverage.

Owens Corning — Widely accepted by insurance companies and known for excellent impact resistance — a real plus for hail-prone Houston neighborhoods.

Do You Need to Be Home?

No — you're welcome to be home during the work, but you don't have to be. As covered in our FAQ, our crew handles everything from setup to thorough cleanup. If you plan to be away, just make sure your driveway is clear, pets are secured, and fragile items near the walls inside have been moved (some vibration is normal during installation).

We've Been Doing This for 25+ Years

Homerun Roofing has been serving Houston homeowners since 2001. We're fully licensed, insured, and bonded — and we know the local insurance landscape well. Our job on a claim isn't just to fix your roof. It's to make sure you get what you're rightfully owed and that the work is done right the first time.

We PROUDLY serve all Houston-area communities!