Schertz is a growing city northeast of San Antonio along I-35, bordered in part by Cibolo Creek. It is unusual in that it spans three counties: Guadalupe, Comal, and Bexar. If you are looking for a public adjuster in Schertz, TX, we can help with the hail, wind, water, and freeze claims that affect this part of the I-35 corridor between San Antonio and New Braunfels.
We do not operate an office in Schertz. We come to the property, inspect it, and work the claim with your insurer.
Schertz storm history
Because Schertz crosses county lines, NOAA storm reports for the city can be filed under Bexar, Guadalupe, or Comal County. The Bexar County records on this site include several events that name Schertz:
- June 12, 1999: severe thunderstorm winds blew down trees and broke windows from Schertz to near New Braunfels and Cibolo, and destroyed roofs and fences in the Cibolo area.
- June 13, 2003: 3.5 to 4 inches of rain in the Schertz area caused flash flooding along Cibolo Creek north and northwest of Schertz.
- October 24, 2004: rain totals up to 8 inches were reported in Schertz and Helotes, with flash flooding across the county.
- September 29, 2021: flash flooding in Schertz closed FM 1518 at Oak St. along Cibolo Creek.
Nearby, the Randolph AFB weather station has measured several severe gusts, including 67 mph in April 2024, and hail is a risk across the region every spring. Our storm lookup tool searches Bexar County reports by distance from your city or ZIP code. For events filed under Guadalupe or Comal County, search the NOAA Storm Events Database directly.
Schertz homes and common claims
Much of Schertz is newer residential development, with slab-on-grade homes, composition shingle roofs, and brick, stone, or siding exteriors, plus commercial properties along I-35 and FM 3009. Common claims include:
- Hail damage to roofs, gutters, siding, windows, and HVAC units.
- Wind damage from severe thunderstorms, including shingles, fences, and trees.
- Flood claims for properties near Cibolo Creek and other drainages, which generally fall under a separate flood policy.
- Freeze damage and burst pipes after hard freezes and ice storms.
- Commercial property claims for businesses with large low-slope roofs.
For newer homes, a frequent dispute is whether hail damage is "functional" or only "cosmetic," and whether a few damaged shingles justify full replacement. Policy language, manufacturer guidance, and matching all play a role. Our guide on reviewing an underpaid roof insurance estimate walks through what to compare.
What to do first after storm damage in Schertz
- Stay out of floodwater and away from downed lines; never drive through a flooded crossing on Cibolo Creek or elsewhere.
- Photograph the damage before cleanup, including all sides of the building, the roof from the ground, and any interior water stains.
- Separate the water sources. Note whether water came from rising floodwater or from a roof, window, or pipe. The answer often decides which policy applies.
- Mitigate and keep receipts for tarps, water extraction, and drying.
- Report the claim promptly to every insurer that may be involved, including a flood carrier.
Permits in Schertz
The City of Schertz has its own building permit and inspection office, and City of San Antonio rules do not apply there. Confirm permit requirements with the City of Schertz before replacing a roof or making structural repairs. If the repair must include code-required upgrades, payment for those items depends on your policy's ordinance or law coverage; see our building codes and insurance repairs guide.
How we help Schertz property owners
San Antonio Public Adjuster represents policyholders only. We inspect the property, document the damage, review the policy and the insurer's estimate, and communicate with the insurer, including supplements and, when the dispute is about the amount of loss, the appraisal process if your policy includes it. We cannot promise a specific result; coverage depends on your policy. Start with a Free Claim Review or call +1 (832) 503-5866.
Frequently Asked Questions
Which county is my Schertz property in, and does it matter for my claim?
Schertz spans Guadalupe, Comal, and Bexar counties. Your county does not change how your insurance policy works, but it does affect which NOAA county records describe storms at your property and which local offices handle some services. Your property tax statement shows the county.
Is Cibolo Creek flooding covered by homeowners insurance?
Generally not. Standard homeowners policies exclude flood, which is usually covered by an NFIP or private flood policy. NFIP policies typically have a 30-day waiting period, so coverage needs to be in place before a storm. Wind-driven rain through storm damage may be treated differently.
Who issues building permits in Schertz?
The City of Schertz has its own permit and inspection office, separate from the City of San Antonio. Confirm requirements with the City of Schertz before roof replacement or structural repairs.
How are public adjusters paid?
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.