Insurance
How to file a State Farm roof claim in Texas
If hail or wind damaged your roof and you're insured with State Farm, here are the steps, the deadlines Texas law sets and what to do before the adjuster arrives.
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Claims phone number
800-732-5246
800-SF-CLAIM 24/7
Other ways to file
Online at statefarm.com
In the State Farm app
Through your State Farm agent
Texas Department of Insurance help line
800-252-3439
TDI
Step by step
Report the damage quickly
Most policies set a deadline to report. The Texas Department of Insurance (TDI) notes that some policies allow one year from the loss.
Take photos and make only temporary repairs
Photos and video before touching anything. You can tarp the roof to prevent more damage. Keep the receipts.
The insurer acknowledges your claim
In Texas the company has 15 days to acknowledge the claim, and may ask for a signed proof of loss.
The adjuster inspects
The adjuster inspects the roof and writes the estimate. TDI recommends being there, with your contractor present too.
Decision and payment
The insurer accepts or denies within 15 business days of getting everything it asked for (up to 45 days if it explains why). If it accepts, it pays within 5 business days.
If the damage is worse
You or your contractor can ask the adjuster to raise the estimate. The industry calls this a supplement.
ACV vs RCV: why you get two checks
With a replacement cost (RCV) policy, insurers usually pay in two parts: first the estimate minus depreciation and the deductible, then the recoverable depreciation once they get the invoice for the finished job. With an actual cash value (ACV) policy, depreciation is not paid back.
| TDI example: 10-year-old roof | RCV | ACV |
|---|---|---|
| Replacement cost | $10,000 | $10,000 |
| Deductible | $2,000 | $2,000 |
| Insurance pays | $8,000 | $5,000 |
If you have a mortgage, the check is made out to you and the mortgage company.
What State Farm says about contractors
- You choose the contractor. State Farm says so on its roof claims page.
- Ask for a detailed written estimate: materials (vents, flashing), labor, dates, payment terms, permits and warranty.
- Check the contractor's liability insurance, references and track record.
In Texas a contractor cannot pay or waive your deductible (Insurance Code §707.002). If someone offers it, that's a red flag.
If you disagree
Talk to the adjuster first. You can also request an appraisal, hire a public adjuster or call the TDI help line at 800-252-3439. Texas law generally gives you 2 years to sue.
This page is for information only and is not legal advice. Check your policy and, if in doubt, call State Farm or TDI.
Frequently asked questions
What is State Farm's claims phone number?+
800-SF-CLAIM (800-732-5246), 24/7. You can also file in the app, at statefarm.com or through your agent.
How long do I have to report hail damage in Texas?+
Your policy sets it. According to TDI, some policies allow one year from the loss. Report it as soon as you can.
What is State Farm's hail deductible?+
It depends on your policy. In Texas the wind and hail deductible is often a percentage of the home's insured value. Look for it on your declarations page.
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$299/mo · 1,000 minutes · no contract