Roof Insurance Claims in Midland, TX
★ 4.9 from 500+ Google reviews · Owens Corning Platinum Preferred · MRT Readers’ Choice Gold 2018–2026
Insurance Claims
Storm Damage? Start With a Free Inspection
Hail or wind damaged your roof? Roofs by Nicholas has helped homeowners in Midland, Odessa and Big Spring through storm claims since 1988. We inspect and photograph the damage for free, give you a written estimate, and meet your adjuster on the roof. You stay in charge of your claim, and we give you the evidence to make it.
How a Roof Insurance Claim Works With Us
- 1. Free inspection. We photograph every damaged area: shingles, ridge caps, vents, flashing and gutters.
- 2. Written estimate. You get the photos and a line-item estimate before you decide anything.
- 3. You decide whether to file. If the work costs less than your deductible, a claim usually won’t pay, and our estimate lets you compare.
- 4. We meet your adjuster at the house and walk the roof together.
- 5. We review the insurer’s estimate with you and show you anything it missed, so you can ask for a re-inspection.
- 6. We do the work. Afterward, you get the final invoice your insurer needs to release any held-back payment, plus photos of the finished work if your insurer asks for them.
Your claim and settlement stay between you and your insurance company.
Before You Call Your Insurer
Photograph the Damage
Take photos of any water stains inside, and of dents in gutters, downspouts, roof vents or your AC unit.
Write Down the Storm Date
Note the date of the hail or wind storm. Your insurer will ask for it, and it helps us match the damage to the storm.
Check Your Deadline
Many Texas policies require you to report storm damage within a set time after the storm, often one year. Check yours.
Get the Free Inspection First
Know what the damage is and what it costs to fix before you file, so you can compare it to your deductible.
Stop Active Leaks
If water is coming in, call 432-520-7348. Calls are answered 24/7, and we tarp or seal the leak as soon as it’s safe.
What We Do, and What Texas Law Doesn’t Allow
We do: inspect and photograph the roof, write a line-item estimate, meet your adjuster on the roof, go through the insurer’s estimate with you, and give you the final invoice when the job is done, with photos of the finished work if requested.
We don’t: negotiate your claim for you, and we never pay, waive or rebate your deductible. Texas law prohibits both, and a contractor who offers to cover your deductible can put your claim at risk.
Paying Your Deductible
Texas law makes the deductible yours to pay. If that’s hard to cover all at once, roof financing through Wisetack can be used for it, and checking your options won’t affect your credit score.
If your roof is being replaced, ask about Class 4 impact-resistant shingles. Many Texas insurers offer a premium discount for impact-resistant roofs, which can offset part of the higher price over time. As an Owens Corning Platinum Preferred Contractor, we install Class 4 shingles backed by Owens Corning’s manufacturer warranty.
Storms That Hit Our Area
Hail bruising usually takes a year or more to become a leak, so a roof that “came through fine” can still have damage worth a claim. If your roof was on the house for any of these storms and hasn’t been inspected since, book a free inspection:
- Midland: June 14, 2017 (baseball hail), April 23, 2019 (baseball hail), May 24, 2022 (softball hail near Green Tree), May 30, 2024 (baseball-to-softball hail across north Midland and Gardendale) and June 8, 2025 (hail up to 2 inches).
- Odessa: June 10, 2024 and June 9, 2025.
Looking for your town? See the areas we serve for local storm dates in 29 West Texas communities.
What Homeowners Say
“Robert showed up early, he was very professional, walked roof and property alongside adjuster and I, pointed out damages that adjuster had missed. He shared the information I needed and what the process ahead looked like.”
Nacho A., storm damage inspection in Midland · Google review, June 2026
“Will was great to work with, always courteous, helpful in the insurance process and his team were prompt in completing the roof job. They sent out an inspector a few weeks later and Sam was thorough during his inspection.”
Jessica R., insurance roof replacement in Coahoma · Google review
“Roofs by Nicholas was recommended by our home insurance and we decided to call to setup a date to have our roof professionally looked at for repairs. Will was our guy to look at our roof. He took the photos he needed and then showed me. We got a price locked in for our repairs to be made by him. He’s been professional, very communicative, informative, and on time. Definitely recommended.”
Oscar G., roof repair in Andrews · Google review, September 2026
Need a repair rather than a claim? See roof repair in Midland for what we fix and what it costs.
Why Homeowners Call Roofs by Nicholas After a Storm
Local Since 1988
Our crews work in West Texas heat, wind, and hail every season. We know how those conditions wear down a roof and where leaks usually start.
Fast Leak Protection
If water is getting in, we’ll tarp or seal the area as soon as it’s safe, then schedule the permanent repair.
Straight Answers
You get photos of what we find, a written estimate, and a realistic schedule before any work begins. If a repair will do, we’ll tell you.
Roof Insurance Claim Questions
Should I file an insurance claim for a small repair?
That’s your decision, and it depends on your deductible and policy. If the repair costs less than your deductible, a claim usually won’t pay anything. Our written estimate lets you compare the repair cost to your deductible before you call your insurer.
How long do I have to file a hail claim?
Check your policy. Many Texas homeowner policies require you to report storm damage within a set time after the storm, often one year. Hail damage isn’t always visible right away, so get the roof inspected soon after a storm, even if you don’t see a leak.
Can you cover or waive my insurance deductible?
No. Texas law prohibits roofing contractors from paying, waiving or rebating a homeowner’s insurance deductible. Any contractor who offers to is breaking the law, and it can put your claim at risk. Financing through Wisetack can be used to pay it.
What if my insurance pays less than your estimate?
We go through the insurer’s estimate with you and show you, with our photos, any damage it left out, so you can ask your insurer to re-inspect. Texas law doesn’t let a roofer negotiate a claim for you, but we give you what you need to make your case.
What is recoverable depreciation?
Many policies pay a roof claim in two parts: the first payment minus depreciation, then the rest after the work is finished. When we finish, you get the final invoice your insurer needs to release that second payment, and we send photos of the finished work if they ask for them.
Do you meet the insurance adjuster?
Yes. We meet your adjuster at the house, walk the roof together, and point out the damage we photographed during our inspection.
Roofing Services Available
Free written estimates. Phones answered 24/7.
We proudly serve homes and businesses throughout Midland, Odessa, Big Spring, and surrounding areas.
