Before filing a property-damage claim in Texas, it helps to understand what actually happened to your property. A documented professional inspection — photographs, measurements, and a written repair scope — lets you make an informed decision. This article is general information from a construction perspective, not insurance or legal advice; coverage decisions always remain between you and your carrier.
Know the Damage First
Some storm damage is minor; some looks minor and isn’t. An inspection that separates cosmetic wear from functional damage gives you real information before you decide anything.
Understand Your Deductible
Texas policies commonly carry percentage-based wind/hail deductibles. Knowing your deductible helps you weigh the repair scope against it. Texas law also prohibits contractors from waiving or absorbing deductibles — treat any such offer as a red flag.
Documentation Is Everything
Date-stamped photos, a written scope, and records of the storm event support whatever you decide to do. APGC provides construction estimates, photographs, measurements, repair scopes, material information, and code documentation related to the required work — we do not act as a public insurance adjuster, interpret policy language, or determine coverage.
Questions Worth Asking
What is the full scope of storm-related damage? What would repairs cost relative to my deductible? Is there code-required work involved? Our insurance restoration documentation page explains exactly how we support the construction side of the process. Start with a free inspection.
Frequently Asked Questions
Does APGC file or negotiate claims?
No. APGC provides construction documentation — estimates, photographs, measurements, scopes, and technical explanations. Filing decisions, coverage, and settlement remain between you, your carrier, and any licensed professionals you retain.
Can a contractor pay my deductible?
No. Texas law requires policyholders to pay their deductible, and offers to waive or absorb it are illegal — and a sign to choose a different contractor.
What documentation helps most?
Date-stamped photos from before and after the storm, a professional inspection report with measurements, and a detailed written repair scope.