Hail, hurricanes and the Chapter 542 clock
Xactimate® Estimating in Texas
Texas writes more hail, wind and hurricane claims than any other state, and it is one of the few with hard statutory deadlines the insurer has to meet. Estimates here are won on scope: full roof replacement quantities, code items, and interior water damage that desk estimates leave off.
$50 per estimate · first one free · 24-hour turnaround
What drives Texas claims
- Hail and wind on roofs
- Gulf Coast hurricanes
- Winter-storm burst pipes
- Tornado and straight-line wind
Texas rules that change the estimate
Insurer deadlines (Insurance Code Chapter 542)
15 days to acknowledge and start the investigation, 15 business days after receiving everything to accept or reject, and 5 business days to pay once accepted. Late payment carries statutory interest and attorney's fees.
Claim deadlines by state →ACV and overhead and profit
Texas Department of Insurance Bulletin B-0045-98 treats actual cash value as replacement cost less depreciation, and says deducting overhead and profit as well is improper.
O&P calculator →Public adjuster fees
Public adjuster compensation is capped at 10% of the settlement (Insurance Code §4102.104), which leaves little margin for hours of line-item writing and is why many Texas PAs outsource estimating.
PA fee calculator →Coastal windstorm policies
Properties in the coastal counties are often insured through TWIA, whose wind and hail claims carry percentage deductibles and their own claim process. The estimate has to be written to that policy, not a standard homeowners form.
Deductible calculator →Texas markets we estimate for
Xactimate estimating in Houston
Houston claims are a mix of wind and water, often on the same house, and the policy decides which peril pays what. Estimates have to keep the two apart line by line.
Harris · Fort Bend · Montgomery · Brazoria · Galveston
North TexasXactimate estimating in Dallas–Fort Worth
Hail is the repeat loss in DFW, and the dispute is almost always repair versus replace. Test-square counts, shingle type and brittleness evidence decide it.
Dallas · Tarrant · Collin · Denton
South Central TexasXactimate estimating in San Antonio
San Antonio sits between the Hill Country hail corridor and the Gulf, so the same office sees roof replacements, burst-pipe interiors and the occasional flash-flood loss.
Bexar · Comal · Guadalupe · Kendall
Central TexasXactimate estimating in Austin
Austin's recent claim history is tree-on-roof and frozen-pipe losses, which are scoped differently from hail: structural repair, tarping, and interior water damage rather than roof surface.
Travis · Williamson · Hays · Bastrop
Texas estimating FAQ
- Do you write Xactimate estimates for Texas claims?
- Yes. Estimating is remote, so the same team covers every Texas address, including Houston, Dallas–Fort Worth, San Antonio, Austin. Each estimate is priced on the current Xactimate regional price list for the market and scoped to Texas claim rules.
- How much does a Texas estimate cost?
- $50 per claim estimate, and the first one is free. Monthly plans for teams sending claims every month are quoted by our sales team.
- How fast is turnaround for a Texas claim?
- Standard turnaround is 24 hours, and a free sample estimate is delivered within 12 hours. After a major storm we scale the estimating team so local contractors are not queued behind other markets.
- What is the deadline for a supplement in Texas?
- Chapter 542 sets the insurer's deadlines, and the policy's own suit-limitation and proof-of-loss terms set yours. Put the date of loss and each supplement date on the file.
See a Texas estimate before you commit
Send one real Texas claim, with photos, measurements or a sketch, and get an itemized Xactimate® estimate back within 12 hours. Free, no obligation.
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