Houston gets named hurricanes most years, tropical storms regularly, and squall lines and derechos throughout spring. Most homeowners only inspect after named storms, which means months of accumulated wind damage goes unnoticed until a leak shows up. Free inspections, transparent scope, and full insurance claim representation.
Wind damage on a Houston roof? Texas requires storm damage claims to be filed within 1 year of the event. Wind/hail deductibles are typically 1-5% of your dwelling coverage — check the math before filing. Free inspection includes drone documentation and written scope.
Houston’s wind events come in four flavors, and each leaves a different damage signature.
Hurricanes (74+ mph sustained). Named storms produce the obvious widespread damage — missing shingles in long strips, ridge caps gone, fascia bent, sometimes whole sections of roof failed. Insurance claims process is well-defined; FEMA may be involved post-storm.
Tropical storms (39-73 mph sustained). Often dismissed as “just a tropical storm” but routinely cause significant selective damage. Aged shingles fly. Improperly nailed shingles fly. Soffits and fascia detach. Tree limbs come down on roofs.
Derechos and squall lines. The fast-moving thunderstorm complexes that march across the Gulf Coast in spring. Brief but intense — 60-90 mph straight-line gusts in a 20-minute window. Surprise damage because they don’t come with hurricane-style days of warning.
Microbursts and tornado spinoffs. Localized but severe. Can take a single house in a neighborhood and leave the others untouched. Insurance scopes need careful documentation because adjusters sometimes attribute the damage to the wrong event date.
Beyond “missing shingles,” here’s the full inventory we work through on a wind inspection.
Missing tabs are obvious. Lifted tabs that didn’t fly but lost their seal are next-storm casualties. Creased shingles are the hidden category — they look fine but have a fold line and broken seal.
Scope can be partial-roof or full-replacement depending on severity
Ridge caps are first to go in high wind — they sit at the highest exposure point. Even when the field shingles look fine, ridge cap damage compromises ventilation and creates leak entry points along the ridge line.
Ridge cap-only repair: typically $400-$1,200
Soffit panels detach from the eaves, fascia boards bend or tear loose, drip edge metal lifts. These items are often outside the “roof scope” an adjuster writes — we make sure they’re included.
Common supplement item
Pipe boots, ridge vents, attic ventilators, chimney flashing — anything that protrudes from the roof catches wind and gets damaged. Often the first leak source after a storm even when shingles look fine.
Per-item scope, $100-$500 each
Gutters bend or pull away from fascia in high wind. Granules in gutters are evidence of shingle aging accelerated by wind. We document both as part of the wind scope.
Often handled with gutter scope in same project
Wind without rain doesn’t leak. Wind with rain — which is most Houston storms — pushes water through every compromised seal. Ceiling stains, attic insulation moisture, drywall sagging.
Drywall, paint, insulation supplement
Wind/hail is a separate deductible in Texas. Most TX homeowner’s policies have a “wind/hail” or “named storm” deductible that’s a percentage of your dwelling coverage rather than a flat dollar amount. 1-5% is the typical range. On a $400K dwelling, that’s $4,000-$20,000 before insurance pays anything.
This matters for the file/don’t-file decision. If your damage scope is $5,000 and your deductible is $8,000, filing accomplishes nothing. We tell you that up-front before you file. If the scope is $20,000 against a $4,000 deductible, the claim is worthwhile. We do the math with you.
One year filing window. Texas law requires storm damage claims to be filed within 1 year of the date of loss. Don’t wait. Even if the damage looks minor, document and file. Late claims get harder to substantiate over time.
Supplement claims are normal. The first scope rarely catches everything — especially on wind damage where some items only become visible during repair. We file supplements as needed without charging extra. Full claim process.
Most asphalt shingles are rated for 60-130 mph wind uplift — the rating depends on shingle class and proper installation. Hurricane-force winds (74+ mph) cause widespread damage. Tropical storm winds (39-73 mph) cause selective damage to weak spots: improperly nailed shingles, aged seal strips, ridge caps, soffit and fascia. Even 50 mph gusts during a Houston squall line will lift shingles that have lost their seal.
Visible signs: missing shingles, lifted shingle tabs, displaced ridge caps, granules in gutters, soffit panels detached, fascia bent. Hidden signs: creased shingles that look intact but have a crease line where they bent backward in wind — the seal is broken even though they’re still in place. Creased shingles will fly in the next storm.
Yes, but it’s subject to the wind/hail deductible in Texas, which is separate from your standard deductible — typically 1-5% of your dwelling coverage. On a $400K dwelling that’s $4K-$20K. Run the math before filing if the damage is small — sometimes out-of-pocket repair is cheaper than your deductible.
Texas requires you to file within 1 year of the date of loss for storm damage claims. Sooner is better — insurers push back harder on delayed claims because the longer you wait, the harder it is to attribute damage to a specific event. Document and file as soon as you discover damage.
When wind lifts a shingle’s tabs and folds them back, then drops them, the shingle returns to its position but with a crease line and a broken seal strip. From the ground or even close inspection it can look fine. We find creased shingles by walking the roof and feeling for the crease — they’re soft along the line. The next windy day they fly.
No. After-storm roofs are slick, often have hidden structural damage, and homeowner falls are the leading cause of post-storm injury in Houston. Free professional inspections cost nothing — we walk the roof, run drone photography, and write a documented scope you can use with insurance.
Free walk-the-roof inspection. Drone photography. Insurance claim representation included.
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