Emergency Storm Damage
Storm Damage Roof Repair in Lewisville, TX
A damaged roof after a storm isn't just a cosmetic issue — water intrusion can begin within hours. Here's what to do right now.
Act Fast After a Storm
After a significant storm in Lewisville, the window to act matters. Here's why timing is critical:
Water Intrusion Starts Fast
A missing shingle or cracked flashing can allow water into your attic within hours of a storm. Once moisture reaches your decking or insulation, repair costs compound quickly.
Insurance Deadlines
Texas insurance policies typically require claims to be filed within one year of the damage event. Waiting too long — or making permanent repairs before documentation — can jeopardize your claim.
Storm Chaser Season
After every major Lewisville storm event, out-of-town contractors flood the area. Booking a licensed local contractor early protects you from high-pressure, low-accountability operators.
What to Do in the 24 Hours After a Storm
Document Everything First
Before anyone touches the roof, take photos and video of all visible damage — from the ground, from inside the attic, and any water stains on ceilings. Timestamp matters. Your insurance company will use this documentation to assess the claim.
Do Not Make Permanent Repairs Yet
It is tempting to fix things immediately, but permanent repairs before your insurance adjuster visits can reduce or invalidate your claim. Temporary protective tarping is acceptable and necessary to prevent further damage — document that too.
Call a Licensed Local Contractor First
Contact a licensed Lewisville-area roofing contractor for a damage assessment and inspection report before you call your insurance company. A contractor who works with insurance regularly can document damage in the format adjusters expect and be present during the adjuster's visit.
Then File Your Insurance Claim
With your contractor's inspection report and your own photos in hand, contact your insurance company to open a claim. Request the adjuster visit as soon as possible. Ask your contractor to be on-site during the adjuster inspection.
What Storm Damage Looks Like
Not all storm damage is obvious. Hail and wind can cause structural damage that isn't visible from the street. Here's what to look for:
Lifted or blown-off shingles expose decking to rain immediately.
Check your gutters — excessive granules indicate shingle degradation from hail impact.
Gutters, vents, flashing, and ridge caps show hail impact craters clearly.
Flashing around chimneys, skylights, and valleys is especially vulnerable to wind.
Ceiling discoloration in your attic or upper floors is a sign of active moisture intrusion.
Hail impact bruises are best identified by a professional — not always visible to the naked eye.
Insurance Claims for Storm Damage
Storm and hail damage is one of the most common covered perils under Texas homeowner insurance policies. Understanding the claim process protects your financial interest.
- →Most Texas policies cover hail and wind damage — you pay your deductible, the insurer covers the rest under RCV (replacement cost value) or ACV (actual cash value) terms.
- →Having a contractor present during the adjuster's inspection often results in a more thorough damage assessment.
- →If the adjuster's estimate seems low, you have the right to request a re-inspection or hire a public adjuster.
- →Do not sign any final repair contract until after your adjuster visit is complete.
Red Flags: How to Spot Storm Chasers
After every major storm in Lewisville and the DFW area, out-of-state contractors flood the market. These “storm chasers” target freshly damaged neighborhoods and disappear once they've collected payment. Watch for these warning signs:
Unsolicited door-to-door contact within 24–48 hours of a storm
Offers to “work with your insurance” with zero upfront cost or to “cover your deductible”
No verifiable local address, phone number, or reviews
Pressure to sign a contract the same day — before your adjuster visit
Unfamiliar company name with no Texas business registration
Asking you to pull your own permit or claiming no permit is needed
Get Emergency Storm Damage Help
Connect with a licensed Lewisville roofing contractor who specializes in storm damage and insurance claims.
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