Does Insurance Cover Roof Repairs After a Storm? Here’s What San Antonio Homeowners Need to Know

The recent heavy storms and flooding across Texas, have left many homeowners with water damage, fallen tree limbs, and leaky or damaged roofs. If your home was affected, you’re likely wondering: Does my insurance cover roof repairs after a storm?

It’s a stressful time, but knowing what to expect, and what steps to take next, can help protect your home and your wallet. Let’s walk through the key things every San Antonio homeowner should know about storm damage and roof insurance.

First Things First: What Kind of Storm Damage Is Usually Covered by Insurance?

In Texas, most standard homeowners insurance policies cover roof damage caused by sudden, accidental events, including wind, hail, and fallen debris (like tree branches). This means if your roof was damaged by:

• Hail
• Strong winds
• Falling trees or branches
• Heavy rain leaking through storm damage

…it’s likely your policy will offer some coverage; however, flood damage itself is a little different.

Important Note: Flooding Is Not Typically Covered by Standard Homeowners Insurance

If your roof damage is related to flooding, like if rising water entered your home from the ground up, that usually falls under flood insurance, which is a separate policy offered through the National Flood Insurance Program (NFIP) or private insurers.

Many San Antonio homeowners don’t realize this until after the damage has already happened. If you don’t already have flood insurance and you live in a flood-prone area, now is a good time to consider it.

What to Do After a Storm Damages Your Roof in San Antonio

If your home was recently hit by the storms and flooding, here’s what to do right away:

1. Document the Damage

Take clear photos of all visible damage, both inside and outside your home. Focus especially on areas of your roof that appear cracked, missing shingles, or are leaking.

2. Contact Your Insurance Company

File a claim as soon as possible. The sooner you start the process, the quicker you can get your roof inspected and repaired.

3. Schedule a Roof Inspection

Reach out to a trusted, local roofer, like Norwest Roofing, to conduct a professional inspection. We can assess the full extent of the damage and help determine what is storm-related (and likely covered) versus what may be pre-existing.

4. Prevent Further Damage

If safe, cover any exposed areas of your roof with a tarp to minimize interior leaks or additional water intrusion.

How Norwest Roofing Helps San Antonio Homeowners After a Storm

We know dealing with storm damage can be overwhelming, especially in the aftermath of historic flooding. Our team at Norwest Roofing has been serving the San Antonio community for over 20 years, and we’re here to help you navigate this process with honesty, empathy, and transparency.

We offer:

• Free roof inspections after storms
• Documentation and photos to support your insurance claim
• Honest guidance on what’s covered and what’s not
• High-quality repairs that restore the integrity of your home

Thinking Ahead: Protecting Your Roof Before the Next Storm

Storms are often frequent and intense in South Texas during peak season. The best thing you can do now is make sure your roof is in good shape before the next round of weather hits.

• Schedule annual roof inspections
• Clear debris and check for damaged shingles
• Ask us about roofing materials that perform better in high-wind or hail-prone areas

Final Thoughts

If you were affected by the recent flooding or storms here in San Antonio, you’re not alone. Roof damage is common in our area after severe weather, and your homeowners insurance may help, but only if you act quickly and understand your policy.

Whether you need a quick inspection or help navigating your claim, we’re here to guide you every step of the way.

Need a roof inspection after the storm? 

Contact us today to get started.