Roof leaking? Do this first.

These steps come from the Texas Department of Insurance. They protect your home and your insurance claim.

1. Write down when it started

Note the date and time you first saw the damage, and what the weather was like.

2. Take pictures and video

Photograph the damage inside and outside before anything is repaired.

3. Stop more damage with a temporary fix

A tarp over a hole in the roof, covered windows, and removing standing water. These keep it from getting worse.

Temporary onlyDon't make permanent repairs until your insurance company gives the OK.

4. Keep a list and every receipt

List the damage inside and outside the house, and save the receipts for anything you buy to protect it, including the tarp.

5. Call your insurance company

Report it as soon as you can. Most policies have a deadline for reporting damage. Here is how the claim works.

Good to know

Insurance won't pay for a new roof just because it is old or worn out. Claims are for damage, such as from a storm or a tree.

Questions homeowners ask

Should I fix my leaking roof before the insurance adjuster comes?

Only with a temporary fix, like a tarp over a hole. The Texas Department of Insurance says not to make permanent repairs until your insurance company gives the OK.

What should I write down when my roof starts leaking?

The date and time you first saw the damage and what the weather was like. The Texas Department of Insurance also says to take photos, list the damage and save every receipt.

Will insurance pay for a new roof because mine is old?

No. The Texas Department of Insurance says insurance won't pay for a new roof just because it is old or worn out. Claims are for damage, such as from a storm or a tree.

Who can I call for help with my claim?

The Texas Department of Insurance Help Line is 800-252-3439.

Sources

This is general information, not legal or insurance advice. Checked Sep 26, 2026.

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