Does homeowners insurance cover roof repair in Texas?

The general rule, and every policy differs, is that a Texas homeowners policy covers sudden damage from a covered event: hail, wind, a fallen tree. It does not cover a roof that has simply worn out, and an adjuster who finds an old roof with new hail bruises on it will try to separate the two.

Two details decide whether a claim is worth making. The first is the deductible. Many Texas policies now carry a percentage deductible on wind and hail, one or two percent of the insured value of the house rather than a flat figure, which on a typical north Houston home is a large amount. If the repair costs less than that, the claim pays nothing and may still count against you. The second is whether the policy pays replacement cost or actual cash value. On an older roof an actual-cash-value policy pays the depreciated worth of the old roof, not the price of a new one.

What to do in practice: photograph everything before any work starts, get a contractor's written inspection that identifies the storm damage specifically, and only then decide whether to file. A contractor who has handled claims will know what the adjuster will look for. A contractor who offers to waive or absorb your deductible is offering to commit insurance fraud with you, which is illegal in Texas, and you should not use him.