If you’re reading this in the wake of this morning’s tornado activity southwest of Giddings, take a deep breath. At Roofing Turtle, we know that the hours following a storm are the most critical for your home’s long-term health and your insurance claim’s success.
Lee County is resilient, but the “red tape” of insurance can be a second storm if you aren’t prepared. Here is what you need to do right now.
1. Document the Damage (Before the Cleanup)
Before you or a neighbor start clearing debris, document everything. The Lee County Office of Emergency Management and insurance adjusters need a clear “before” and “after” picture.
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Date of Loss: Today, April 2nd, 2026. Make sure this is noted on all your records.
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Photo Evidence: Take photos of your roof from all angles, any downed trees near your structure, and even hail on the ground if you saw it.
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The “Interior Walk”: Check your attic and ceilings for fresh water spots. Even an EF-0 can lift shingles enough to let the rain in.
2. Immediate Mitigation (The Tarp Rule)
Texas insurance law requires homeowners to “mitigate” further damage. If you have a hole in your roof and don’t cover it, the insurance company may try to deny coverage for the resulting water damage inside your home.
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Emergency Tarps: Cover any missing shingles or holes immediately.
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Save Your Receipts: If you buy tarps at the hardware store in Giddings or hire someone for emergency boarding, keep those receipts! These are usually reimbursable as part of your claim.
3. Reporting to Lee County
If your home sustained significant damage, reporting it helps the county assess the overall impact.
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Contact Emergency Management: You can reach the Lee County Emergency Management office at (979) 540-2081.
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Permit Check: For major repairs in Lee County, you may need a Development Permit from the Code Enforcement Office at the Lee County Annex (898 E. Richmond, Giddings). We can help you determine if your specific repair requires one.
4. Navigating the Texas Insurance Timeline
In Texas, your insurer has specific deadlines they must meet:
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15 Days: Once you file a written claim, they have 15 days to acknowledge it and start their investigation.
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The “Local” Advantage: Adjusters from out of state often don’t understand our specific Lee County building needs or the recent weather patterns. Having a local pro from Roofing Turtle present during the adjuster’s inspection ensures no damage is “overlooked” as “pre-existing.”
5. Watch for “Storm Chasers”
After a touchdown near Giddings, out-of-town “roofers” will flood the area.
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Verify the Address: If they don’t have a local presence in the Smithville/Giddings area, be wary.
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No Upfront Cash: Never pay for the full job upfront. A reputable local contractor works with you and your insurance schedule.
Local Resources for Lee County Residents
| Resource | Contact Information |
| Lee County Emergency Mgmt | (979) 540-2081 |
| Texas Dept. of Insurance | (800) 252-3439 (Help Line) |
| 2-1-1 Texas | Dial 2-1-1 for local disaster resources |
| Roofing Turtle | (833) 688-7853 |