State Farm Roof Claims in Austin: Hail & Wind Damage
State Farm is one of the largest home insurers in Texas, so after an Austin hailstorm many roof claims run through its process. Here's how to file a State Farm roof claim, what happens next, how contractor choice works, and what Texas law adds on top.
Open 24/7 · 12001 Burnet Rd, Austin, TX 78758
How to File a State Farm Roof Claim
- Make sure everyone is safe, then protect the house from further damage and keep receipts for tarps and supplies.
- Photograph the damage, then report the claim through the State Farm app, online, through your State Farm agent, or by calling 800-SF-CLAIM (800-732-5246).
- State Farm assigns a claim handler, and you can message them through the app or online.
- An adjuster inspects the roof and determines what's covered under your policy.
- You choose who repairs the roof; payment goes to you or a service provider based on your claim and policy.
What to Know About State Farm Roof Claims
You choose the contractor
State Farm’s own claims guidance says it’s your choice who you hire for estimates and repairs. State Farm may also offer a network program for roofing on eligible claims; using it is optional, so ask your claim handler how it works before deciding.
Wear vs. storm damage
State Farm says its representatives can explain the difference between normal wear and storm damage. Hail damage is typically random, with impact marks rather than uniform aging, which is why dated photos of the whole roof matter.
A detailed estimate
State Farm asks for a detailed written or digital estimate that includes the quantity of all materials, including vents, flashing and other damaged items. That’s the line-item scope we provide.
Filing is your decision
State Farm notes it’s up to you whether to file. If the damage is close to your deductible, get a repair scope first so you can decide with real numbers.
A State Farm Roof Claim, Step by Step
Inspection before you file
A hands-on inspection tells you whether there’s storm damage worth reporting and gives you dated photos of every slope.
Report the claim
Use the State Farm app, its website, your agent, or 800-SF-CLAIM. Have the date of the storm, your address and photos ready.
Adjuster visit
The adjuster walks the roof and writes an estimate. We can be on the roof at the same time to walk through the damage we documented.
Review the estimate
Compare State Farm’s estimate with your contractor’s line-item scope. If items were missed, your contractor can provide documentation of that damage; State Farm decides coverage.
Repairs and payment
Payment follows your policy terms. If your policy holds back depreciation, completion records are usually needed to release it.
For State Farm’s own instructions, see its home and property claims page.
The Texas Rules That Apply to Every Carrier
Whatever company insures your home, Texas law sets the same baseline. Under Chapter 542 of the Texas Insurance Code, insurers generally have 15 days after notice to acknowledge a claim and start investigating, 15 business days after receiving everything they requested to accept or reject it, and 5 business days after accepting to pay. Our Texas roof insurance claim timeline walks through each step.
Many Texas homeowners policies carry a separate wind and hail deductible, often a percentage of dwelling coverage, and some include a roof schedule or other endorsement that changes how roof damage is paid based on the roof's age. Check your declarations page for both before you file. Texas law also prohibits contractors from waiving, paying or rebating your deductible, and reserves claim negotiation for licensed public adjusters.
What we do on your claim
We inspect the roof, document hail and wind damage with dated photos, prepare a line-item scope, and can meet your adjuster on the roof. Your insurer makes the coverage decision. Start with a storm and hail roof inspection, or call for emergency storm roof repair if water is coming in. Insured by another carrier? See USAA roof claims · Allstate roof claims, or our general guide to roof insurance claims.
Austin Storm & Hail Damage Roofing is a storm damage roofing company in Austin at 12001 Burnet Rd, open 24/7. We are an independent contractor and work with homeowners regardless of who insures them. Our hail damage roofing contractors in Austin document claims the same way for every carrier, and any storm damage roofer in Austin, TX you hire should do the same. Before hiring, compare any hail damage roofing companies in Austin using our guide to hiring a storm damage roofer.
Austin Storm & Hail Damage Roofing is an independent roofing contractor and is not affiliated with, endorsed by, or a preferred vendor of State Farm. State Farm is a trademark of its owner. Claim process details on this page summarize State Farm’s publicly available claims information as of October 2026; your policy and State Farm control how your claim is handled.
Frequently asked questions
How do I file a roof claim with State Farm?
Through the State Farm app, online, through your State Farm agent, or by calling 800-SF-CLAIM (800-732-5246).
Do I have to use State Farm's contractor?
No. State Farm's claims guidance says it's your choice who you hire. Any network program it offers is optional.
Does State Farm cover hail damage to roofs?
Wind and hail are typically covered perils on State Farm homeowners policies, subject to your deductible and policy terms.
Will my State Farm premium go up if I file a hail claim?
State Farm says premiums won't necessarily go up after a home claim, but they might, depending on factors including the claim and your claims history.
Can a roofer meet the State Farm adjuster?
Yes. A roofer can be on site to walk through documented damage. Only you or a licensed public adjuster can negotiate the claim.
Filing a State Farm Roof Claim?
Call (512) 709-6335, 24/7, for an inspection with dated photos before or after you file.
Austin Storm & Hail Damage Roofing · Open 24/7 · atxstormdamageroofing@gmail.com