Texas · One storm, one deductible
A roof claim after a storm pays for a covered opening, not for a roof that was already worn out. The deductible is usually once per occurrence. This page will not quote a prompt-payment deadline or promise a new roof.
Hail or wind that tears the covering, then rain through that opening, is the wind or hail loss. The interior water follows that peril. A slow leak you already knew about is commonly wear. Photograph the roof and the ceiling before you tarp the hole, if you can do it safely, and report the date of the storm. The deductible on a percentage hail form is a percent of Coverage A. Two percent of $450,000 is $9,000. That is an example. It applies once for that occurrence, not once per slope. A supplement is hidden damage from the same occurrence. It is not a second deductible unless the form says the events are separate. Some forms exclude cosmetic hail and do not promise to match an undamaged slope. Settlement may be replacement cost or actual cash value. Recoverable depreciation is released after repair invoices. It is not a denial. TDI’s roof example is a $10,000 replacement, a $2,000 deductible, and $8,000 paid when the basis is replacement cost.
Hail on the house versus the car: home or auto and hail season. A stain is not automatically this claim: a roof leak. Glass: windows. Coastal wind: TWIA. Why a new roof is not a percent off: a new roof and the premium. Who does not rewrite the form: a contractor is not the adjuster. The policy: Texas homeowners, home and household, and shopping. Maintenance is not a claim: reducing storm damage.
