This is one of the most common questions we get, and the honest answer is that it depends on two numbers: your deductible, and the actual cost of the work.
If a qualifying storm caused real, documentable damage and the repair or replacement cost meaningfully exceeds your deductible, filing is generally the reason you have been paying premiums. A full roof replacement almost always exceeds a typical deductible by a wide margin.
If the damage is minor and the repair costs about the same as — or less than — your deductible, filing gains you nothing and puts a claim on your record. Same goes for damage that is clearly age-related wear rather than storm-caused: that is not covered, and filing invites a denial rather than a payment.
You cannot make this decision sensibly without knowing whether a qualifying storm actually hit your address and what the damage really is. Guessing leads to both mistakes — people file on age-related wear and get denied, and people skip filing on legitimate storm damage and pay for a roof they were covered for. A free storm history report and a free drone scan settle both questions before you call your carrier.
One thing that is not negotiable either way: Texas law requires you to pay whatever deductible applies to your policy. Any contractor offering to waive, absorb, or cover your deductible is offering to do something the law does not permit. Read more on what insurance actually covers.