Houston's storm season can wreak havoc on clay tile roofs. Whether it's hurricane-force winds, large hail, or tornado-strength gusts, knowing what to do immediately after storm damage can save you thousands and prevent secondary water damage.
Step 1: Stay Safe (First 24 Hours)
Do NOT go on your roof — Wet tiles are extremely slippery and may be structurally compromised
Check inside first — Look for water stains, dripping, or daylight through the roof
Document everything — Take photos and video from the ground using your phone's zoom
Move valuables — If you see active leaks, move furniture and electronics away from affected areas
Step 2: Call for Emergency Tarping
If you see visible damage or active leaks, call a professional immediately for emergency tarping. This prevents secondary water damage that can cost far more than the original roof repair. Most reputable clay tile specialists can have a tarp in place within 4 hours.
Important: Don't let just anyone tarp your roof. Inexperienced workers can crack additional tiles and make the damage worse.
Step 3: File Your Insurance Claim
• Call your insurance company within 48 hours
• Provide photos and video documentation
• Request an adjuster visit
Do NOT sign anything from storm chasers or door-knockers who show up uninvited
Step 4: Get a Professional Inspection
Have a licensed clay tile roofing specialist inspect your roof. They should provide:
• Detailed damage report with photos
• Itemized repair estimate
• Documentation formatted for your insurance claim
• Assessment of whether repair or replacement is needed
Step 5: Review and Repair
Once your claim is approved:
• Review the scope of work with your contractor
• Confirm tile matching (color, profile, manufacturer)
• Verify warranty terms
• Schedule the repair
Red Flags to Watch For
Storm chasers going door-to-door offering "free" inspections
• Anyone asking you to sign an Assignment of Benefits (AOB) form
• Contractors demanding large upfront deposits
• Companies without a local Houston address and established reputation
• Anyone willing to "waive your deductible" (this is insurance fraud)
The Bottom Line
Storm damage is stressful, but following these steps protects both your home and your wallet. Work with an established local clay tile specialist who has experience with Houston insurance claims, and you'll get through it smoothly. If a storm just hit your neighborhood, request an inspection now — and know what fair repair pricing looks like before the door-knockers arrive.