Does Homeowners Insurance Cover Hurricane Damage in Texas & Oklahoma?

Hurricanes and severe storms can cause widespread destruction across Texas and Oklahoma, leaving homeowners unsure of what their insurance actually covers. One of the most common questions after a major storm is: does homeowners insurance cover hurricane damage?

The answer isn’t always simple. Coverage depends on the type of damage, your specific policy, and how quickly you take action after the storm. In this guide, we’ll break down what is typically covered, what may not be, and how professional roof inspections from Legacy Roofing and General Contracting can help protect your home and support your insurance claim.

Understanding Homeowners Insurance Hurricane Coverage

In most cases, homeowners insurance hurricane coverage includes damage caused by wind and wind-driven rain. However, coverage is often split into categories, and not all hurricane-related damage is treated the same.

A standard homeowners policy may cover:

• Wind damage to roofing and siding
• Structural damage caused by falling debris
• Water damage caused by wind-driven rain entering through a damaged roof

However, flood damage and storm surge are typically excluded unless you have a separate flood insurance policy.

Does Homeowners Insurance Cover Hurricane Damage in Texas & Oklahoma?

So, does homeowners insurance cover hurricane damage in Texas and Oklahoma?

Generally, yes, but with important conditions.

In both states:

• Wind damage is usually covered
• Roof damage caused by wind or debris is commonly covered
• Flooding from storm surge or rising water is not covered under standard policies

Texas homeowners often have additional windstorm provisions, especially in coastal regions. Oklahoma homeowners may see similar provisions tied to severe storm activity.

Understanding your policy before a storm hits is crucial.

House Damage from Hurricane: What Is Typically Covered?

House damage from hurricane events can affect multiple parts of your home. Insurance coverage often depends on how the damage occurred.

Covered damage may include

• Torn or missing shingles
• Roof decking damage from wind uplift
• Broken windows caused by debris
• Interior water damage caused by roof failure

Damage that may not be covered

• Flooding from rising water
• Poor maintenance issues
• Pre-existing roof damage

A professional inspection helps clearly separate storm-related damage from older issues.

Does Home Insurance Cover Structural Damage?

Many homeowners ask, does home insurance cover structural damage caused by hurricanes?

In most cases, yes, if the structural damage is directly caused by a covered peril such as wind.

Structural components that may be covered include:

• Roof framing
• Load-bearing walls
• Trusses and decking

However, insurers often require clear documentation showing the damage was storm-related. That’s where working with experienced professionals like Legacy Roofing and General Contracting becomes essential.

Hurricane Damage Insurance Coverage vs Flood Coverage

One of the biggest points of confusion around hurricane damage insurance coverage is the difference between wind damage and flood damage.

• Wind damage insurance coverage applies to damage caused by high winds
• Flood insurance covers damage from storm surge or rising water

Even during hurricanes, insurers separate these causes carefully. Without flood insurance, damage from standing water is usually excluded.

Does Insurance Cover Hail Damage to Roof During Hurricanes?

Severe hurricanes can produce hail in certain conditions. Homeowners often wonder: does insurance cover hail damage to the roof?

In most cases:

• Hail damage is covered under standard homeowners insurance
• Roof damage caused by hail usually qualifies for repair or replacement

A storm damage roof insurance claim often includes hail damage if it occurred during the covered storm event.

Wind Damage Insurance Coverage and Your Roof

Wind damage insurance coverage is one of the most important aspects of hurricane protection for homeowners.

Covered wind damage may include:

• Lifted or torn shingles
• Exposed underlayment
• Damaged flashing and vents
• Structural roof damage

Because roof damage can worsen quickly, scheduling a roof inspection after hurricane events is crucial.

Named Storm Deductible: What Homeowners Should Know

Many hurricane-prone areas include a named storm deductible in insurance policies. This deductible applies when a storm is officially named by the National Weather Service.

Key points about named storm deductibles:

• Often higher than standard deductibles
• Usually calculated as a percentage of your home’s insured value
• Applies specifically to hurricanes and tropical storms

Understanding this deductible helps homeowners prepare financially before filing a claim.

Storm Damage Roof Insurance Claim: When to File

A storm damage roof insurance claim should be filed as soon as damage is discovered. Waiting too long can complicate or reduce coverage.

You should consider filing a claim if:

• Shingles are missing or damaged
• Water is leaking into your home
• The roof structure appears compromised
• Hail or wind damage is visible

Legacy Roofing and General Contracting helps homeowners document damage properly to support their claim.

Roof Inspection After Hurricane: Why It Matters

A roof inspection after hurricane events is one of the most important steps you can take to protect your home.

Professional inspections help:

• Identify visible and hidden roof damage
• Document storm-related issues for insurance
• Prevent further water intrusion
• Determine whether repairs or replacement are needed

Many roofing issues are not visible from the ground and require trained professionals to identify.

How a Hurricane Damage Insurance Claim Works

Filing a hurricane damage insurance claim in Texas​ & Oklahoma, typically involves several steps:

• Schedule a professional roof inspection
• Document storm-related damage
• File a claim with your insurance company
• Meet with the insurance adjuster
• Review the insurance estimate
• Complete repairs or replacement

Having a trusted contractor involved early helps ensure nothing is overlooked.

How Legacy Roofing and General Contracting Helps Homeowners

Legacy Roofing and General Contracting has extensive experience assisting homeowners in Texas and Oklahoma after severe storms.

Our services include:

• Thorough roof inspections after hurricanes
• Detailed damage documentation
• Assistance with storm damage roof insurance claims
• Honest repair or replacement recommendations
• High-quality roofing repairs and replacements

We help homeowners navigate the insurance process with confidence.

Frequently Asked Questions

Does homeowners insurance cover hurricane damage automatically?

Most policies cover wind damage, but flood damage usually requires separate flood insurance.

Does home insurance cover structural damage from hurricanes?

Yes, structural damage caused by covered perils like wind is typically covered.

Is hail damage to the roof covered during hurricanes?

In most cases, yes,hail damage to roofing is commonly covered.

What is a named storm deductible?

It’s a higher deductible that applies when damage is caused by a named hurricane or tropical storm.

Should I get a roof inspection after a hurricane even if there’s no leak?

Yes. Many roofing issues are hidden and worsen over time if not addressed.

How soon should I file a hurricane damage insurance claim?

As soon as damage is discovered to avoid claim delays or denials.

Conclusion

So, does homeowners insurance cover hurricane damage in Texas and Oklahoma? In most cases, yes, but coverage depends on the type of damage, your policy details, and how quickly you act after the storm.

Understanding homeowners insurance hurricane coverage, wind damage protection, and deductibles helps homeowners avoid surprises during the claims process. A professional roof inspection after hurricane events is one of the most effective ways to protect your home and support a successful claim.

Legacy Roofing and General Contracting is here to help homeowners recover safely and confidently after hurricanes and severe storms. If your home has experienced storm damage, scheduling a professional inspection is the best first step toward protecting your investment.