Baccaro Roofing GuideStorm Damage Roof Repair in the Rio Grande Valley

After every hurricane, hail event, or wind storm in the Rio Grande Valley, thousands of homeowners need emergency roof repair. This guide tells you exactly what to do, what you should pay, and how to avoid the storm-chasing contractors who flood the RGV every storm season.

Most important: what to do in the first 24 hours

• If water is actively coming inside, place buckets under leaks and move valuables. Don't go on the roof yourself — it's slippery and dangerous right after a storm.
• Photograph everything: roof from the ground (multiple angles), interior water stains, debris in the yard, hail size next to a coin. These photos are your evidence for the insurance claim.
• Call Baccaro Roofing at (956) 600-0501. We do free inspections and tell you honestly whether the damage exceeds your deductible — before you file the claim.
• Don't sign anything from door-to-door contractors. Storm chasers flood the RGV after every event.

For the complete checklist, see our first 24 hours after storm damage guide.

What storm damage roof repair costs in the RGV

| Damage type | Typical RGV cost |
|-------------|-----------------:|
| Replace a few damaged shingles | $300 – $800 |
| Post-storm leak repair | $400 – $1,500 |
| Damaged flashing replacement | $500 – $1,200 |
| Emergency tarp service | $250 – $600 (usually covered by insurance) |
| Full replacement after extensive damage | $7,000 – $35,000 (covered by insurance after deductible) |

When insurance covers the work, you only pay your deductible — typically $1,000 to $5,000 for general damage, or 1-5% of dwelling value for hurricane-force wind (the Texas hurricane deductible).

The step-by-step process

1. Free inspection (same-day or next-day)

We climb up, photograph every damage point, check the attic where accessible, and generate a detailed report. This report becomes your evidence. A claim filed without an inspection report is much more likely to be denied or underpaid.

2. Emergency tarp service (if there's an active leak)

Heavy-duty tarps secured to stop water damage immediately. The cost is typically covered by your insurance claim as part of damage mitigation. Available 24/7 across McAllen, Edinburg, Brownsville, and the rest of the RGV.

3. File the claim

With our inspection report and your photos, file the claim with your carrier. If you work with Baccaro Roofing, we can help walk you through the filing process.

4. Adjuster meeting — this is critical

When the adjuster arrives, ask Baccaro Roofing to be present. Adjusters get ~30 minutes per inspection and miss damage. Our presence on-site results in 15-40% higher claim approval vs. an adjuster inspecting alone.

5. Carrier approval and replacement

Once the scope of work is approved, we schedule the repair or replacement. Most residential replacements complete in 1-3 days. You only pay your deductible.

What Texas insurance covers

Typically covered: - Hurricane and tropical storm wind (lifted shingles, ripped flashing) - Hail (any size that causes functional damage, not just cosmetic) - Tornadoes - Wind-driven rain (water pushed under shingles) - Falling trees or branches - Lightning

Typically NOT covered: - Wear and tear (age-related damage) - Lack of maintenance (leaks from clogged gutters) - Pest damage - Manufacturing defects (covered by manufacturer warranty, not insurance)

For the full claims process, see our insurance claim guide.

The "I'll waive your deductible" scam

Under §27.02 of the Texas Insurance Code, contractors cannot legally waive your deductible. Anyone who promises to "cover your deductible" is committing insurance fraud — and your entire claim can be denied if discovered. Walk away from any contractor offering this.

This is the #1 scam after every hurricane in the RGV. Storm chasers come from Houston or Dallas, promise to cover the deductible, do cheap work, and disappear — leaving you with a bad roof AND a fraudulent insurance claim.

How to spot scammer contractors

Red flags: - Knocks on your door the day after a storm - Wants a deposit immediately - Promises to waive the deductible - No physical local office - No proof of liability insurance - Asks you to sign an "Assignment of Benefits" or "Inspection Authorization" - Won't give you a written estimate before you sign

For a full guide, see how to choose a roofing contractor.

Insurance carriers we work with directly

We coordinate directly with most major Texas carriers: - State Farm - Allstate - USAA - Farmers - Liberty Mutual - Travelers - And most other major carriers

We talk to the adjuster on your behalf, submit supplements for damage missed in the initial inspection, and handle the documentation back-and-forth.

Full Rio Grande Valley coverage

Storm response service available across all four counties: - Hidalgo: McAllen, Edinburg, Mission, Pharr, Weslaco - Cameron: Brownsville, Harlingen, San Benito, Port Isabel, South Padre Island - Willacy: Raymondville, Lyford - Starr: Rio Grande City, Roma

Frequently asked questions

How fast can you respond?

Active leak or storm damage calls get a roofer at your property within 24 hours, often same-day. Major storm events can extend this 3-7 days but emergency tarp service stays priority.

How much will I pay out of pocket?

In most cases, just your deductible. For typical storm damage, that's $1,000 to $5,000. The Texas hurricane deductible can be 1-5% of dwelling value, so on a $300,000 home, that's $3,000 to $15,000. Check your policy.

What if my claim is denied?

You have options: request a re-inspection with a different adjuster, submit additional documentation, or hire a public adjuster. We've successfully overturned many partial denials in the RGV with proper photo evidence and code-compliance citations.

Do I need to wait for insurance approval before installing a tarp?

No. Emergency tarp work is part of "damage mitigation" that your insurance expects you (or your contractor) to do immediately to prevent further damage. The cost is typically reimbursed by the carrier.

How long does the whole process take?

Typically 2-4 weeks from inspection to approval, then 1-3 days for the replacement work. Major storm events can extend the adjuster wait by another 2-4 weeks.

Can you help even if my roof wasn't installed by Baccaro?

Yes. We do free damage assessments regardless of who installed the original roof. If the damage qualifies, we can help you file the claim and handle the entire process.

Call now if you have damage

(956) 600-0501 — available 24/7 for emergencies. Free on-site inspection, no obligation, no pressure. Bilingual crew.

For a quick estimate of your roof's replacement cost, use our Roof Cost Calculator.