Start indoors and from the ground
If water is near electrical fixtures or outlets, avoid the affected area and contact an appropriate emergency professional. Photograph damp ceilings, debris, visible missing shingles and any interior damage from safe locations. Do not climb onto a wet, unstable or storm-damaged roof.
Write down when you first noticed damage, which rooms are affected and whether the leak occurs during wind-driven rain. These notes help a roofer distinguish a localized penetration problem from more extensive roof trouble.
Prevent further damage without obscuring evidence
Texas Department of Insurance guidance recommends documenting damage, protecting the property from additional loss and retaining receipts. Ask your insurer what emergency mitigation is appropriate before permanent repairs.
Avoid discarding damaged materials until the insurer has advised you on documentation. A temporary covering may be appropriate, but only a qualified person should install it safely.
Before you agree to a repair
Request a description of the damaged components, an explanation of what will be replaced and photographs showing the proposed work. Ask whether the contractor will handle any required permit and how the repair will be documented.
Do not sign a blank agreement or a contract assigning all insurance proceeds to the contractor. Review your deductible rather than relying on a promise to waive it.
Sources and official guidance
Links checked for the November 2026 editorial draft. Verify rules again before beginning work.