A roof insurance claim in Aurora, TX usually starts after a spring hailstorm or a wind event rolls through southeast Wise County. On newer homes the process has a few wrinkles of its own, from discontinued builder shingle lines to the question of whether minor-looking damage is worth reporting. The steps below keep your claim organized from day one.
If the storm has already passed and you are not sure what you are looking at, call Cannon Roofing at (940) 627-1045 (24/7) or request a free inspection on our contact page before you call your insurer.
Start with an inspection, not a guess
Hail damage on asphalt shingles is often invisible from the ground. Bruises that knock granules loose and crack the mat underneath show up best up close, and wind damage can be as subtle as a crease across a row of shingles that lifted and dropped back down. Reporting a claim on a hunch can go badly either way: you may miss real damage, or file over something that turns out to be normal wear.
An inspection gives you facts. We photograph what we find and explain whether it looks like storm damage, age or installation issues. If the roof is fine, we will say so, and you can skip the claim entirely.
Steps in a roof insurance claim in Aurora, TX
1. Protect the house
If water is coming in, stop it first. Most policies expect owners to take reasonable steps to prevent further damage, such as a temporary tarp. Keep receipts and photos of anything you do.
Be careful on the roof. Wet shingles and steep pitches are dangerous, and walking on hail-bruised shingles can make damage worse. Photos from the ground, from a window or from a ladder at the eave are usually enough until a roofer can get up there safely. If you need emergency help, Cannon Roofing is open 24/7 and can help keep water out while the claim gets started.
2. Document everything
Note the date of the storm. Photograph hail on the ground with a coin or ruler for scale, dents on gutters, downspouts, vents and outdoor equipment, and any interior stains. Our guide to roof claim documentation photos lists the shots adjusters find useful.
3. Review your policy
Look at your deductible type, whether roof coverage is paid at actual cash value or replacement cost, and any reporting deadlines. Your agent can explain how your specific policy treats roof claims; we cannot speak for your insurer.
4. File and schedule the adjuster
Once you file, the insurer assigns an adjuster to inspect the roof. You are welcome to have your roofer there.
Meeting the adjuster on site
Having a contractor present means someone who knows roofs can point out damage on every slope, including spots that are easy to miss such as soft metal, ridge caps and the back side of the house. Read why your roofer should meet the adjuster for what that visit looks like.
5. Review the estimate
When the insurer's estimate arrives, compare it line by line with what was found on the roof. Missing items, such as drip edge, vents or decking, can sometimes be raised with the insurer with supporting photos.
Issues that come up on newer Aurora homes
Discontinued builder shingles
Builders often buy a particular shingle line in volume. A few years later, that exact product or color may no longer be made. When only part of a roof is damaged, finding a shingle that matches is not always possible. How your policy handles that varies, and our article on matching shingles on an insurance claim explains the questions to ask.
Cosmetic versus functional damage
Some policies separate cosmetic damage, such as dents in metal, from damage that affects how the roof performs. Read that language carefully, especially if your home has metal accents or a metal porch roof.
Builder warranty versus insurance
A builder warranty generally covers workmanship. Hail and wind are insurance matters. If a leak appears on a new home after a storm, both questions may come up, so documentation of the roof's condition matters.
How Cannon Roofing helps with your claim
Cannon Roofing has worked on storm-damaged roofs across Wise County since 1994. Our insurance claims help starts with a free inspection and estimate, continues with documentation and an on-site meeting with your adjuster, and ends with the repair or replacement your claim supports. Our factory-trained crews all carry the Technician Seal of Safety: background checked, drug tested, factory trained and insured.
Under Texas law, a contractor cannot waive or rebate your deductible, and you are responsible for paying it. Be cautious of anyone who offers to cover it for you. We do not publish prices; your scope and quote are set by what the inspection and the claim show.
Frequently asked questions
How long do I have to file a roof claim in Texas?
Deadlines depend on your policy and Texas law, and they can be shorter than people expect. Check your policy or ask your agent as soon as possible after the storm.
Will filing a claim raise my premium?
That depends on your insurer and your claims history. Talk to your agent, and consider an inspection first so you know whether there is real damage before you file.
Do I have to use the roofer my insurer suggests?
Generally you can choose your own reputable, insured contractor. Pick one you trust who will meet the adjuster and explain the work clearly.
Had hail or high wind over your Aurora home? Call Cannon Roofing at (940) 627-1045, any time of day, to set up an inspection, or reach us through our contact page. We will document what we find and walk you through the claim step by step.