Home › Texas roof insurance claim deadlines
Texas roof insurance claim deadlines
Tell your company as soon as possible. Most companies have deadlines for filing a claim, and some policies have a one year deadline unless you can show good cause for the delay. (source: Texas Department of Insurance)
| Step | Deadline | Source |
|---|---|---|
| Insurer acknowledges your claim and starts investigating | Within 15 days after you file | (source: Texas Department of Insurance) checked November 1, 2026 |
| Insurer approves or denies in writing | Within 15 business days after it gets all needed information; it can extend up to 45 days if it tells you why | (source: Texas Department of Insurance) checked November 1, 2026 |
| Insurer pays an approved claim | Within 5 business days after telling you it is approved | (source: Texas Department of Insurance) checked November 1, 2026 |
| After a weather catastrophe | TDI can extend these deadlines by 15 more days | (source: Texas Department of Insurance) checked November 1, 2026 |
| TWIA: report a claim | One year from the date the property was damaged | (source: Texas Windstorm Insurance Association) checked November 1, 2026 |
| TWIA: accept or reject | 60 days after it receives all requested information | (source: Texas Windstorm Insurance Association) checked November 1, 2026 |
| TWIA: pay | 10 days after accepting coverage and receiving all requested materials | (source: Texas Windstorm Insurance Association) checked November 1, 2026 |
If your company misses these deadlines, you may be able to collect the claim amount, interest and attorney's fees. (source: Texas Department of Insurance)
On this site: Do roofers need a license in Texas? · Can a roofer waive or pay my insurance deductible in Texas? · Texas roof insurance claim deadlines · Coastal roofs: TWIA coverage and the WPI-8 · Storm chaser roofers: how to spot a Texas roofing scam · How to hire a roofer in Texas · Hail damaged my roof. What do I do first? · Do I need a permit to replace my roof in Texas? · Texas roofing fees, penalties and numbers · Where to complain about a roofer in Texas · Cities · FAQ · Sources
Sources
- Texas Department of Insurance (TDI): Home Insurance Guide (checked November 1, 2026)
- Texas Department of Insurance (TDI): Residential Property Insurance Consumer Bill of Rights (PDF) (checked November 1, 2026)
- Texas Windstorm Insurance Association (TWIA): Claims (checked November 1, 2026)
Last updated: