Live Oak is a city in northeast Bexar County where I-35 meets Loop 1604, near Universal City, Selma, and Converse. If you need a public adjuster in Live Oak, TX, you are dealing with the same mix of hazards that affects the rest of the northeast side: spring hail, severe thunderstorm winds, flash flooding, and winter ice and freezes.
We help Live Oak homeowners and business owners document damage and present property insurance claims. We do not operate a local office; we come to the property.
Live Oak storm history
The NOAA National Centers for Environmental Information (NCEI) Storm Events Database lists northeast Bexar County reports under reference points such as "Converse," "Selma," and "Live Oak." Events that affected Live Oak include:
- May 25, 2013: a brief EF0 tornado did minor damage to homes near Judson Rd. and Woodsrim St. in Live Oak, pulled the stucco and wood facade off a medical building on Judson Rd., snapped power poles, and uprooted trees. The same day brought record rainfall to San Antonio.
- July 24 and August 20, 2008: NWS storm surveys documented straight-line wind damage to trees and fences in the Live Oak area.
- June 12, 2025: flash flooding, with a news report of nine homes flooded along Shin Oak Dr. in Live Oak.
- April 20, 2026: the emergency manager reported a swift water rescue near Nacogdoches Rd. and Cattleman St. in Live Oak.
Winter weather reaches Live Oak too. NOAA notes ice that closed the Shin Oak Drive bridge over I-35 in February 2014, and Winter Storm Uri in February 2021 brought extreme cold to all of Bexar County. Large hail is a county-wide risk, with April and May the peak months. Search reports near your address with the storm lookup tool, or browse Bexar County storm history.
Live Oak properties and common claims
Live Oak is largely residential subdivisions of slab-on-grade homes with brick veneer and composition shingle roofs, along with retail and commercial properties along I-35 and Loop 1604. Common claims include:
- Hail damage to roofs, gutters, siding, and HVAC condensers.
- Wind damage to shingles, fences, and trees.
- Flood damage, which is usually handled under a separate flood policy rather than homeowners coverage.
- Freeze damage and burst pipes during ice storms and hard freezes.
- Commercial claims for flat and low-slope roofs on businesses along the highway corridors.
When water is involved, the source matters. Rising water from a creek or street is generally a flood-policy issue. Water that comes through a damaged roof, or from a pipe that burst during a freeze, is often evaluated under the homeowners policy. Insurers may also raise exclusions for long-term leaks or wear. Clear photos, timelines, and plumber or mitigation reports help show what happened. Our freeze and burst pipe claims guide covers this in detail.
First steps after a storm in Live Oak
- Stay safe and avoid flooded streets and low water crossings.
- Document the damage with photos and video before cleanup, including the roof from the ground, every side of the house, fences, and interior water damage.
- Prevent further damage and keep receipts for emergency work.
- Report the claim promptly and log every contact with the insurer.
Permits in Live Oak
The City of Live Oak has its own building permit and inspection office; City of San Antonio permits do not apply inside Live Oak. Confirm requirements before replacing a roof or making structural repairs. Code-required items may be paid under your policy's ordinance or law coverage, if you have it. See our building codes and insurance repairs guide.
How we help Live Oak property owners
San Antonio Public Adjuster represents policyholders, not insurance companies. We inspect the property, document the loss, review the policy and the insurer's estimate, and communicate with the insurer on your behalf, including supplements when items are missing. If your claim has been delayed, underpaid, or denied, we can review it with you. We cannot promise a particular outcome; coverage depends on your policy. Request a Free Claim Review or call +1 (832) 503-5866.
Frequently Asked Questions
Homes in my Live Oak neighborhood flooded. Will homeowners insurance pay?
Standard homeowners policies generally exclude flood, meaning surface water that rises and enters the home. That damage is usually covered, if at all, by an NFIP or private flood policy. Water that enters through a storm-damaged roof or window may be treated differently. Check both policies and document where the water came from.
Do tornadoes happen in Live Oak?
They are uncommon but do occur. NOAA records a brief EF0 tornado on May 25, 2013 that did minor damage to homes near Judson Rd. and Woodsrim St. in Live Oak. Straight-line thunderstorm winds are a more frequent cause of wind damage.
Who handles building permits in Live Oak?
Live Oak is its own city with its own permit and inspection office, separate from the City of San Antonio. Check with the City of Live Oak before starting roof or structural repairs.
How are public adjuster fees set?
Fees are disclosed in a written contract before any work begins; Texas law caps public adjuster compensation at 10% of the insurance settlement. You may rescind within 72 hours of signing.