When a tornado hits, it doesn’t ask permission. One minute you’re sipping coffee, the next you’re staring at shingles in your yard and wondering where to even start. Tornado damage in Texas isn’t just about lost shingles or cracked siding, it’s chaos, and it hits fast.

That’s where PALCO Claims steps in. We’ve been walking through storm debris for years, not behind a desk, but out in the field, boots on the ground. We’ve seen roofs ripped open like cans and insurance companies act like it’s “minor damage.”

We don’t let that slide.

Our job’s simple: we make insurance companies pay what they owe. Whether it’s wind, hail, or full-on tornado destruction, our adjusters know exactly what’s covered, what’s not, and how to push back when an insurer lowballs your claim.

What Tornado Damage Looks Like (and What Insurers Miss)

Here’s the thing, tornado damage isn’t always obvious. Sure, some homes are torn apart. But most? They look “okay” at a glance. You might see a few shingles missing and think you dodged a bullet.
You probably didn’t.

Texas windstorms twist and pull at your roof from every direction. We’ve found cracked rafters, torn flashing, and moisture seeping behind undisturbed shingles, all from “minor” tornadoes.

One homeowner in Waco called us after getting a $22,000 settlement offer. They thought that was fair… until we re-inspected. Drone footage revealed uplifted roof sections and frame separation in two gables. We gathered the evidence, built a solid case, and the insurer ended up cutting a $67,000 check. That’s the kind of detail you don’t see unless you’ve done this work hundreds of times.

We also see insurers miss:

• Hidden structural damage in attic trusses or beams.
• Water intrusion around vents or soffits days after the storm.
• Cracks in foundation or brick mortar from wind pressure shifts.
• Interior moisture mapping that tells a story most adjusters ignore.

PALCO Claims doesn’t just glance at your roof. We inspect everything, inside, outside, and underneath. Because in Texas, “good enough” doesn’t cut it when the next storm rolls in.

How PALCO Claims Handles Tornado Damage Claims Across Texas

Let’s be honest: the insurance process isn’t built for homeowners, it’s built for insurers. You report damage, they send a “friendly” adjuster, and a few days later, you get a low estimate that somehow leaves out half your roof. Sound familiar?

Here’s how we flip that script.

1. No-Cost Inspection

We start where it matters, on your roof. Our licensed adjusters climb up, use drone imaging, and document every inch. We use moisture meters, thermal cameras, and high-resolution mapping to find what the eye can’t see.
You get a clear picture of the real damage, no fluff, no guesswork.

2. Damage Documentation

We don’t just snap photos. We build case files that stand up in front of insurance reviewers. Every nail pop, every torn underlayment, every section of bent flashing, it’s cataloged. We also document interior issues like leaks and ceiling stains.

This is where experience matters. Our team’s handled claims from New Braunfels to Amarillo, Dallas to Houston, and everywhere in between. We know what local building codes require and which insurance excuses don’t hold up.

3. Negotiation & Claim Handling

Once we’ve got the evidence, we handle the back-and-forth with your insurance company. We don’t take “no” for an answer unless it’s legitimate. We talk their language, policy clauses, depreciation, replacement cost value, actual cash value, all of it.

And here’s the best part: you don’t pay us upfront. We only get paid when you do. If your payout doesn’t increase, you don’t owe us a dime. That’s how confident we are in what we do.

4. Settlement & Support

When the claim’s approved and funds hit your account, we stick around. Need a trusted roofer? We’ve got referrals. Need to verify that the payout covers all work? We’ll review it. We don’t vanish once the check clears.

Why Local Experience Matters After Tornado Damage

Texas is different. The storms, the laws, the insurers, it’s all its own world. That’s why working with an out-of-state firm never ends well. They don’t understand Texas roofs, and they sure don’t understand Texas insurance policies.

PALCO Claims operates right out of New Braunfels, licensed in Texas (2487288), Oklahoma (3001285558), and Nevada (4071263). We know the difference between Panhandle winds and Gulf humidity, and how each affects the way a roof fails.

We’ve seen everything from Category EF0 twisters that quietly tear through rural barns to EF3 monsters that leave slabs behind. And every single time, insurers try to minimize what’s “covered damage.”

Here’s why local experience saves you money:

• We recognize storm patterns and know what insurance carriers try to exclude in each region.
• We understand Texas building codes and how they impact repair costs.
• We know which insurance companies routinely delay or lowball tornado claims, and how to push them to act.

When you call us, you’re not talking to someone in a different time zone. You’re talking to Texans who’ve walked your kind of damage and fought your kind of insurer.

The Hidden Damage Nobody Saw

A homeowner near Fort Worth thought their house was fine. The roof looked okay, just a few dents. We showed up and found uplifted decking and a cracked ridge beam from pressure suction. The insurer initially offered $18,000. After our documentation? Final payout: $56,400.

Commercial Roof in Dallas

An EF2 tornado tore through a 12,000-sq-ft metal building. The owner’s insurer blamed “age and wear.” We brought in a structural engineer, proved the wind pressure shift, and secured $320,000 in coverage. That building’s still standing, because the owner didn’t back down.

Family Home in New Braunfels

After a spring storm, a family of four had water stains in the attic but no visible leaks. Insurer said it wasn’t storm-related. We ran thermal imaging and found trapped moisture under two layers of shingles. That claim paid $41,800 after appeal.

These aren’t marketing lines. They’re lived experiences that built our reputation, and our 5.0 Google rating from over 100 reviews.

Get Help Now: Your Tornado Damage Claim Starts Here

If your home’s taken a beating, you don’t have to deal with insurance drama on your own. You’ve already been through enough.

One quick inspection can change everything. We’ll check every inch, handle every form, and make sure your insurer actually does their job.

Here’s what to do next:
Call (512) 553-6432 or email claims@palcoclaims.com.
We’ll set up a no-cost inspection within 24 hours.
You’ll know exactly what your claim’s worth before you sign anything.

It’s fast. It’s fair. It’s Texas.

PALCO Claims, Local Adjusters Who Fight Like Texans Do.

PALCO Claims – Texas Tornado Claim Experts

Address: 921 I-35 Suite 1202, New Braunfels, TX 78130
Phone: (512) 553-6432
Email: claims@palcoclaims.com
Hours: Mon–Fri 8 AM–5 PM | Closed Sat–Sun
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License: TX 2487288 | OK 3001285558 | NV 4071263

Frequently Asked Questions

1. How soon should I file a tornado damage claim in Texas?

As soon as it’s safe. The longer you wait, the easier it is for insurers to deny coverage or blame “wear and tear.” We can start your inspection within 24 hours, no cost, no risk.

2. What if my insurance company already gave me an estimate?

That’s fine. Send it to us. We’ll review it and show you what they missed. Most first estimates skip structural and interior moisture damage, areas that can double your payout.

3. Do I need to hire a public adjuster for tornado damage?

You don’t have to, but it’s a smart move. Tornado damage is complex. Insurers love to undercut roof claims. We level the playing field and make sure every covered dollar hits your account.