Texas law generally allows **up to two years** from the date of loss to bring a claim, but your policy almost certainly requires notice **”promptly”** or “as soon as practicable” — and that contract language is what carriers enforce.
Why waiting works against you regardless of the deadline:
– **Proving the date of loss gets harder.** Adjusters match damage to specific documented storm events. The longer you wait, the easier it is to attribute damage to normal wear.
– **Subsequent storms muddy the record.** A second hail event between the loss and your claim gives the carrier a reason to dispute causation.
– **Unaddressed damage becomes “failure to mitigate.”** Policies require you to prevent further damage. A leak you knew about and ignored can reduce or void payment.
– **Hail bruising surfaces late.** Damage from a storm two years ago may only start leaking now — which is exactly when the deadline is closing.
If you suspect damage from a storm in the last two years, get it documented now even if you’re unsure about filing. An inspection report with a date on it preserves your options.
We inspect at no cost and will tell you plainly whether a claim is worth pursuing.