Texas Insurance Company Guide
Tips for working with major homeowner insurance companies on roof damage claims in Texas. Know what to expect and how to navigate the process.
Note: This guide is based on general experiences and publicly available information. Individual experiences vary, and insurance companies' practices change over time. Always read your specific policy and work with professionals for claim assistance.
Universal Tips for Any Insurer
Regardless of your insurance company, these best practices improve your chances of a successful claim:
File Promptly
File your claim within 2-4 weeks of damage. Waiting reduces approval rates and gives adjusters reason to question the timeline.
Document Everything
Photos, videos, weather reports, and written notes. The more documentation you have, the stronger your claim.
Know Your Policy
Understand your deductible, coverage type (ACV vs RCV), and any exclusions before filing. This prevents surprises.
Get Professional Help
Have a reputable contractor inspect and document damage. They can meet with the adjuster and ensure nothing is missed.
Don't Accept First Offer Blindly
Initial estimates often miss items. Have your contractor review and file supplements for anything missed.
Keep Records
Document every conversation—who you spoke with, date, time, and what was discussed. This protects you if disputes arise.
Major Texas Insurers
Company-specific insights to help you navigate the claims process with your insurer:
State Farm
TX Market Share: ~18%
Claim Process: Online, app, phone, or agent
Generally straightforward process, large adjuster network
Tips for This Insurer:
- File through your local agent for fastest response
- State Farm often uses Xactimate for estimates
- Request re-inspection if initial estimate seems low
- Known for fair handling when documentation is thorough
Allstate
TX Market Share: ~10%
Claim Process: App, online, phone, or agent
Mixed reviews, can be thorough in denials
Tips for This Insurer:
- Document everything extensively before filing
- Be prepared for detailed questions about roof age/condition
- Have contractor present at adjuster inspection
- Know your policy details, especially exclusions
USAA
TX Market Share: ~7% (military families)
Claim Process: App, online, or phone
Highly rated for customer service and claim handling
Tips for This Insurer:
- Generally considered homeowner-friendly
- Often quick to approve legitimate claims
- Good communication throughout process
- Military members consistently rate highly
Farmers
TX Market Share: ~6%
Claim Process: Online, phone, or agent
Moderate, agent quality varies significantly
Tips for This Insurer:
- Agent relationship matters—good agents advocate for you
- Be thorough in initial damage documentation
- Follow up regularly on claim status
- Request itemized estimate from adjuster
Liberty Mutual
TX Market Share: ~5%
Claim Process: App, online, or phone
Generally fair, detailed in assessment
Tips for This Insurer:
- Be specific about damage location and extent
- Provide weather documentation for storm date
- Photos with timestamps are especially helpful
- Patient process but usually fair outcomes
Texas Windstorm (TWIA)
TX Market Share: Coastal counties
Claim Process: Online or phone
Government program, can be slow but necessary for coast
Tips for This Insurer:
- Required for many coastal properties
- File immediately after storm—large backlogs after hurricanes
- WPI-8 inspection required for coverage
- Consider supplementing with separate wind/hail policy
Red Flags to Watch For
While most claims are handled fairly, be aware of practices that may indicate problems:
Know Your Rights
Texas law requires insurers to acknowledge claims within 15 days and make decisions within a reasonable timeframe. If you believe your insurer is acting in bad faith, you can file a complaint with the Texas Department of Insurance (TDI) at 1-800-252-3439 or online at tdi.texas.gov.
Key Policy Terms to Understand
Deductible Types
- Flat deductible: Fixed amount (e.g., $1,000, $2,500)
- Percentage deductible: Percentage of home value (e.g., 1% of $300,000 = $3,000)
- Wind/hail deductible: Separate, often higher deductible specifically for wind/hail claims
Coverage Types
- ACV (Actual Cash Value): Replacement cost minus depreciation. Older roofs get less payment.
- RCV (Replacement Cost Value): Full cost to replace, regardless of age. Better coverage.
- Recoverable depreciation: With RCV, you get depreciation back after completing repairs.
Common Exclusions
- Cosmetic damage: Some policies exclude damage that doesn't affect function
- Wear and tear: Age-related deterioration isn't covered
- Maintenance issues: Problems from lack of upkeep
- Flood: Requires separate flood insurance policy
Need Help With Your Insurance Claim?
Our HAAG-certified team has worked with all major Texas insurers. We know what documentation they need, how to communicate effectively, and how to ensure you receive fair payment for legitimate damage.