How long do I have to file a hail claim?
Your policy sets the deadline, not a single national clock. Texas Department of Insurance tells people to contact the company right away, and a TWIA windstorm claim has one year from the storm. Read the conditions page of your policy for its notice and suit-limitation language, and keep a dated photo of the damage.
A filing clock is a policy term. A response clock is a state rule for the company. Keep those two apart.
What Texas prints
The Texas claim sheet says to contact the agent or company right away. The company may ask you to fill out a proof of loss. Once it has the claim, it has 15 days to say it received it, 15 business days after it has what it needs to accept or reject it, and five business days after approval to send the check. The deadline in your policy is still the one that starts the file.
A TWIA windstorm claim has one year from the storm. That is a coastal product. Amarillo sits inland.
What that means in Wichita
In Wichita, read the notice language in your policy. Photograph the ice and the roof first. Hail or wind hit the roof. Do this before anyone tears shingles. is the order. Does homeowners insurance cover hail damage to a roof? is the coverage page.
Sources
Who wrote this page
- Written by
- Roof After Hail editorial staff. Who runs this site
- Licensed professional
- None. No licensed roofing contractor or public insurance adjuster has checked this page.
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