We are a Perfered Vendor with: State Farm, Allstate, Farmers homeowners ins

• Age of the roof: If your roof is older (often 15-20 years or more), your coverage might be limited or provided on an Actual Cash Value (ACV) basis, which factors in depreciation.  
• Replacement Cost Value (RCV) vs. Actual Cash Value (ACV): RCV policies pay for the full cost of replacing your roof.
• Local building codes: If local building codes require updates during a roof replacement, you may need "ordinance or law coverage" to help pay for those costs.
• Location-based exclusions: Some policies may have exclusions for certain perils common in Texas. 

Claim Process:

• Document the damage: Take photos and videos of the damage and keep receipts.
• Review your policy: Understand what's covered and what's not.
• File the claim: Contact your insurance company online or by phone.
• Get temporary repairs: If necessary, make temporary repairs to prevent further damage and document them.  We are here to help with this.

• Schedule the claims adjuster: They will assess the damage and determine whether to approve or deny the claim.   We will meet the adjuster at your home t o make sure nothing is missed.

In summary: Homeowners insurance can cover roof replacement in Texas, but only for damage caused by covered perils. Be sure to understand your policy's terms, particularly regarding roof age, coverage type (RCV vs. ACV), and any exclusions.