TDI’s Roof Claim Clock: 15 Days, 15 Business Days, Then 5

Know the clock before the storm-chasers set it for you

East Texas roof claims move on paperwork and inspections as much as on shingles. The Texas Department of Insurance’s tip sheet How do I file a homeowners insurance claim? lays out timing homeowners can actually use—not contractor door-knock urgency.

According to that TDI document:

• Your company must let you know they got your claim within 15 days of receiving it (they may ask for more information, including a proof-of-loss form).
• The company must accept or reject your claim within 15 business days of getting all the information it needs from you. A rejection must be in writing with reasons.
• Once the company agrees to pay all or part of the claim, it must send payment within five business days.

Those are TDI’s stated process expectations. Your policy language and facts still control coverage. Call your agent or TDI’s help line (800-252-3439) with file-specific questions.

Temporary protection first—permanent repairs after instruction

The same TDI tip sheet tells you to minimize further damage with temporary steps (cover holes, keep rain out) and to save receipts—and to avoid permanent repairs until instructed by your insurance company. Photograph or video damage, list damaged property, and do not discard materials before the adjuster sees them. Walk the inspection with the adjuster; you may bring your contractor to discuss estimates.

TDI’s companion page on insurance and your roof also reminds Texans that insurers do not pay for a new roof merely because it is old or worn out—and that replacement-cost policies often pay in stages after repairs start.

How East Texas Roof Quotes fits (and what it is not)

Through East Texas Roof Quotes you can request a free roof quote from a local roofer, who will look at what is actually on the roof. East Texas Roof Quotes doesn’t handle insurance claims. A roofer’s quote is not a promise to act as your public adjuster, not a guarantee of claim approval, and not a substitute for reading your policy.

Takeaway: Use TDI’s 15-day / 15-business-day / 5-business-day framing as your checklist. Protect the house temporarily, document everything, then schedule a local inspection before you sign a rush contract.

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