Questions & answers · Home insurance
How long do I have to file a homeowners insurance claim for hail damage to my roof?
Home insuranceDeadlinesChecked Nov 6, 2026
From K.Actuary, founded by Sangmin Kwon, ASA · sources checked 2026-11-06 · Source: Texas Department of Insurance · Home insurance · Home insurance claims View original ↗
In short
- Tell your insurer as soon as you can.
- Some policies and states set a one-year limit.
- Find the date of the storm and your policy's notice rule today.
What this means
The time limit depends on your policy and your state. Texas says most companies have deadlines for you to file a claim, and some policies have a one-year deadline unless you can show good cause for the delay [1]. For a wind and hail policy with TWIA, you have one year from the date of damage [2].
Florida sets a rule in its law. A property claim is barred unless you gave notice to the insurer within 1 year after the date of loss [3]. A supplemental claim, for added damage from the same peril, must be noticed within 18 months after the date of loss [4].
Other states have their own rules, and your policy may add its own. The sources do not give a deadline for your state. Tell your insurer in writing as soon as you find damage, even if you do not have repair prices yet.
Your next step
Write down the date of the storm and tell your insurer about the damage in writing now. Read your policy's claim notice section for its own time limit.
Deadline: 1 year in the Texas and Florida examples above; the sources give none for other states.
Check it yourself
Your policy's claim section and your state insurance department say which time limit applies to you. The Texas and Florida rules above are examples only. The sources do not give your state's rule or the effect of a late claim in your state — "Don't know yet".
Where this comes from (4)
[1] Texas Department of Insurance · Home insurance · Home insurance claims · checked 2026-11-06
Most companies have deadlines for you to file a claim. Some policies have a one-year deadline unless you can show good cause for the delay.
[2] Texas Department of Insurance · Home insurance · Home insurance claims · checked 2026-11-06
If you have a wind and hail policy with TWIA, you have one year from the date of damage to file a claim.
[3] Florida Senate · 2025 Florida Statutes § 627.70132(2) · checked 2026-11-06
is barred unless notice of the claim was given to the insurer in accordance with the terms of the policy within 1 year after the date of loss.
[4] Florida Senate · 2025 Florida Statutes § 627.70132(2) · checked 2026-11-06
A supplemental claim is barred unless notice of the supplemental claim was given to the insurer in accordance with the terms of the policy within 18 months after the date of loss.
How we found this
We matched your question to 4 official sources, quoted the exact lines, and re-checked each quote against its source on 2026-11-06.
What we don’t know yet
Your own plan or notice may say something different. If your letter cites another rule, send it and we will look again.
Every answer is checked against the official rule it quotes.
Information only — not legal advice. Your plan, insurer or agency decides.
This answer quotes the official sources listed above, with the date we checked them. Your own policy, notice and state rules control. We are not your lawyer or your insurer. We don’t file, argue or negotiate claims for you — you send any letter or form yourself.
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