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HRCStorm damage

Storm damage roof inspection in Houston, TX

After a storm, the useful work is inspection, permit, and materials. Texas law does not let a contractor act as your public adjuster on a property where they may also do the work. We do not handle insurance claims.

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House exterior showing damage to the roof and wall

Inspection, permit, and materials. That is the line.

Document what you can see: missing shingles, lifted flashing, punctures, and whether the covering is still shedding water. A contractor can inspect the roof and tell you what materials and what permit path the repair or replacement would take.

That is as far as this site goes. We do not file claims, negotiate settlements, or speak to your insurer for you. We do not advertise mold or water-damage remediation.

Texas Insurance Code 4102.163

Section 4102.163 says a contractor may not act as a public adjuster or advertise to adjust claims for any property for which the contractor is providing or may provide contracting services, whether or not they hold an adjuster license or a power of attorney.

The Texas Department of Insurance says the same thing in plain language: Texas does not allow a roofer to act as a public insurance adjuster on a claim if they are also doing the work, and they cannot advertise that they would. Offering to negotiate a settlement or file a claim for the policyholder is the kind of language TDI flags.

Deductibles are yours to pay

TDI also warns that it is illegal in Texas for a contractor to offer to waive, rebate, or absorb a property policyholder's deductible. If someone knocks after a storm and offers to "take care of the deductible," that is a legal problem, not a bargain.

If you have a claim, it stays between you, your insurer, and any public adjuster you hire who is not also doing the roof. We will not join that conversation.

02Houston Permitting Center

iPermits first, then the worksheet that matches the job.

The Houston Permitting Center describes a residential roofing permit as a permit for a re-roof or roofing overlay on a residence. Plan review and inspection are both listed as required.

Permit for a re-roof or roofing overlay for a residence structure.

Applications go through iPermits. The documents on that page are a building permit application, a declaration in support of the application, and either the Roofing Overlay Only Form (CE-1104) or the Residential Re-Roof Only Worksheet (CE-1109).

What the city has published

HPWCODE1140 publishes a processing time of 10 business days, a valid period of 6 months, and an admin fee of $33.56. The main permit fee is not a dollar on that page. It says to see the City of Houston fee schedule.

After approval, the permit stays on site until final approval. The permit and worksheet have to be on site for the inspection.

Torch or kettle is a second rulebook

Houston Fire Department LSB Standard 11 applies when the work uses a torch or an asphalt kettle. Kettles are not used inside a building or on a roof unless the fire official approves it. A kettle on a roof needs secondary containment and a trained attendant within 100 feet while the heat source is running.

1002 Washington Ave is a city office

Plan Review and Structural Inspections sit at the Houston Permitting Center, 1002 Washington Ave. That is the city office. It is not this site address, and it is not a street we claim as NAP.

Source: Houston Permitting Center, Residential Roofing Permit HPWCODE1140. Fire method rules: Houston Fire Department LSB Standard 11, Roofing Operations. Confirm both before you rely on a figure.

03Questions

Common questions on storm damage.

Will Houston Roof Crew handle my insurance claim?

No. We are a referral service. We do not negotiate claims, file claims, or act as a public adjuster. Texas Insurance Code 4102.163 prohibits a contractor from acting as a public adjuster or advertising to adjust claims on a property where they may also do the work.

What should I do after storm damage to my Houston roof?

Make the roof safe if you can, document the damage, and get an inspection that describes materials and the Houston permit path. Do not sign a contract that says the roofer will handle the claim or waive your deductible.

Can a Houston roofer waive my insurance deductible?

The Texas Department of Insurance says it is illegal in Texas for a contractor to offer to waive, rebate, or absorb a property policyholder's deductible. Report violations to the Texas Attorney General.

08Get a quote

Tell us what the roof is doing.

Two minutes now saves a week of calling around. We route it to a contractor who pulls Houston permits.

We pass your details to a contractor who pulls City of Houston permits. We do not perform roofing work ourselves. We do not handle insurance claims.

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