Skip to main content

Storm Damage Roof Repair: West Texas Emergency Guide

Storm Damage Roof Repair: Emergency Guide for West Texas Homeowners

Your roof just took a hit from a West Texas storm. Hail the size of golf balls, wind gusts over 70 mph, or a fallen tree—your roof is damaged and you need to act fast. Whether you're dealing with hail damage in Lubbock or tornado wind damage in Wichita Falls, the emergency response steps are the same.

This emergency guide walks you through exactly what to do, step by step.

Immediate Actions (First 24 Hours)

Step 1: Safety First

  • Don't go on the roof yourself
  • Avoid areas with exposed wiring or structural damage
  • If there's risk of collapse, evacuate and call 911

Step 2: Document Everything

  • Take photos/video from the ground
  • Photograph interior damage (water stains, ceiling damage)
  • Document damaged personal property
  • Note the date and time of the storm
  • Keep all receipts for emergency repairs

Step 3: Make Temporary Repairs

  • If there's a leak, place buckets to catch water
  • Use tarps to cover holes (don't go on roof)
  • Call a contractor for emergency tarping if needed
  • Prevent further water damage

Step 4: Contact Your Insurance Company

  • Call your insurance company immediately
  • Report the damage
  • Ask about emergency procedures
  • Get a claim number
  • Ask when an adjuster can inspect

Step 5: Contact a Local Roofer

  • Call Candor Construct & Roofing: (806) 224-2836
  • Get a professional inspection
  • Document findings
  • Get a written estimate

Within 48 Hours

Step 6: Get Your Roof Inspected

  • Have a professional roofer inspect your roof
  • Get a detailed written estimate
  • Take photos of all damage
  • Ask roofer to document everything for your insurance claim

Step 7: File Your Insurance Claim

  • Provide all documentation to your insurance company
  • Submit the roofer's estimate
  • Schedule the insurance adjuster inspection
  • Be present for the adjuster visit if possible

Step 8: Get Multiple Quotes

  • Get 2-3 estimates from contractors
  • Compare pricing and scope of work
  • Submit all estimates to your insurance company
  • Insurance will approve payment

Within 1 Week

Step 9: Repair or Replace Decision

  • Work with your insurance company on coverage
  • Decide on repair vs. replacement
  • Finalize contractor selection
  • Schedule the work

Step 10: Begin Repairs

  • Contractor begins work
  • Insurance pays contractor (or you, depending on policy)
  • Ensure all work is done to code
  • Get final inspection before paying balance

What to Expect from Insurance

Covered Damage:

Not Covered:

Typical Deductible:

  • $500-$1,000 for most homeowners
  • $1,000-$2,500 for high-risk areas
  • Percentage-based (2-5% of home value) in some policies

Example:

  • Damage cost: $15,000
  • Your deductible: $1,000
  • Insurance pays: $14,000
  • You pay: $1,000

Important: Deductible Fraud is Illegal

⚠️ WARNING: In Texas, it is a FELONY for a contractor to pay, waive, or absorb your deductible.

If a contractor offers to pay your deductible, DO NOT accept. This is insurance fraud and can result in criminal charges, voided policies, and denied future claims. Learn more in our detailed guide: Why "We'll Cover Your Deductible" Is a Felony in Texas.