The Rio Grande Valley sees some of the most intense storm activity in Texas — hail, high winds, and tropical systems that can cause serious damage in minutes. What you do in the hours immediately after a storm can protect your family, preserve your property, and make the difference between a full insurance settlement and a denied claim.
Emergency? Call us 24/7
If your roof is actively leaking or you have structural damage, call Texas Prime Homes immediately. We provide emergency tarping and board-up services throughout the RGV, 24 hours a day. +1-956-250-4094
Immediately After the Storm
- Ensure everyone in the household is safe before inspecting the property
- Stay away from downed power lines — call 911 and your utility company
- Check for gas leaks — if you smell gas, leave immediately and call the gas company
- Do a quick walk-around of the exterior from the ground — do not climb on the roof yet
- Move vehicles into the garage or away from damaged trees
Within the First 2 Hours
- Start documenting — photograph and video every area of visible damage
- Capture gutters, downspouts, window screens, AC unit covers, and fencing
- Go inside and check ceilings, attic, and walls for water stains or active leaks
- Place buckets under active leaks and move valuables away from wet areas
- Call a licensed roofing contractor for emergency tarping if the roof is breached
Within 24 Hours
- File your insurance claim — call your insurer or file online
- Get your claim number and the name of your assigned adjuster
- Request a free roof inspection from a licensed contractor
- Do NOT make permanent repairs until the adjuster has inspected the damage
- Temporary repairs (tarping, boarding windows) are fine — keep all receipts
- Write down the date and time of the storm and any weather reports you can find
Within 48 Hours
- Schedule your adjuster visit — ask your contractor to be present
- Compile all your documentation: photos, videos, receipts for temporary repairs
- Get a written scope of loss from your roofing contractor
- Check your policy for your deductible, coverage type (RCV vs ACV), and any exclusions
- Keep a log of every call and email with your insurance company
Common Mistakes That Hurt Your Claim
Making permanent repairs before the adjuster visits
This is the single biggest mistake homeowners make. Once the damage is repaired, the adjuster has nothing to inspect. Always get the adjuster out first — or at minimum document everything thoroughly before any work begins.
Waiting too long to file
Texas policies typically give you one year from the date of loss, but the sooner you file, the better. Delays give insurers grounds to question whether the damage is storm-related.
Not having a contractor present at the adjuster visit
Adjusters can miss damage — especially on the back slopes of the roof or in areas that require closer inspection. A roofing contractor who knows what to look for can ensure nothing is overlooked.
Accepting the first settlement offer without review
The first offer is often based on a quick estimate. Compare it to your contractor's scope of loss. Missing line items and below-market material prices are common.
Frequently Asked Questions
How long do I have to file a storm damage claim in Texas?
Texas law gives you one year from the date of loss to file a claim under most homeowners policies, though some policies have shorter deadlines. File as soon as possible — delays can complicate your claim and give insurers grounds to question the damage.
Should I get a roof tarp after storm damage?
Yes. Your homeowners policy requires you to take reasonable steps to prevent further damage. Emergency tarping stops water intrusion and protects your claim. Texas Prime Homes provides emergency tarping services 24/7 throughout the RGV.
What if my insurance company says the damage is pre-existing?
Pre-existing damage claims are a common tactic to reduce or deny payouts. A licensed roofing contractor can document the difference between storm damage and wear-and-tear, and help you dispute a denial through the appraisal process.
Storm Damage in the RGV? We're Ready 24/7
Texas Prime Homes provides emergency tarping, free inspections, and full insurance claim support throughout Hidalgo, Cameron, and Starr County. Call us or request a free estimate online.