Home insurance in Texas starts with your policy, your deductible, and the claim in front of you. The state does not hand every house the same loss. Hail up north, wind and rising water on the coast, a burst line in a sudden freeze, and hail mixed with heavy rain farther south land on different lines of the contract. Have the declarations page out before you describe what happened.
Read the dwelling limit and how each deductible is written. Wind and hail are often set apart from other damage, so a bruised roof and a pipe that split on a cold night may not share one figure. Belongings and loss of use, if rooms cannot be lived in, sit beside that dwelling limit. Read your page, not a neighbor's memory of a claim that only sounded similar.
Match the damage to the cause the policy names. Hail bruises are not the same story as shingles that aged off in the heat. Wind that lifted a coastal slope is not water that came under the door when the street filled. A sudden supply break is often written differently from seepage that lasted months. If rising water is the event, ask whether that loss lives on this policy or on a separate one you hold.
Walk the house before debris disappears. Photograph slopes you can see safely, plus ceilings, walls, and floors that changed. Keep a sample of gutter granules if hail is the cause. Do not toss a split section of pipe until the break is pictured. Do only the temporary covering and drying needed to stop the loss from spreading, and note what you did. A clear sequence helps the claim.
Say the city, whether this is a claim or a question about the policy before the next storm, and which deductible you are reading. Have the address and a short list of what is damaged. Ask what the contract expects in the first days. Leave the rumor out. Call the number on this page.