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FAQs

Storm Damage & Roof Insurance Claims

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Storm damage can be stressful. Our job is to remove the hassle, protect your home, and help you navigate the insurance process with clarity and integrity.

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Frequently Asked Questions

Storm Damage Basics

How do I know if my roof has hail damage?
Hail damage often appears as bruised shingles (soft impact spots), granule loss, exposed fiberglass matting, punctures, or cracking. You may also see “collateral” damage on soft metals like vents, gutters, window wraps, A/C fins, screens, and fence stain splatter. The most reliable way to confirm is a documented roof + full exterior inspection with photos.
Wind damage commonly shows up as lifted shingles, creased shingles, missing tabs, broken seal strips, exposed underlayment, shifted ridge/hip caps, and damaged flashing around chimneys, valleys, and penetrations.
Yes. Many hail impacts weaken shingles and reduce roof life without immediate leaking. Leaks often show later—after a subsequent storm or freeze/thaw cycle.
As soon as it’s safe. Early documentation helps protect your home and strengthens your claim file. Take photos, note the date/time, and schedule an inspection quickly.
Look at gutters/downspouts, vents, flashing, skylights, chimney caps, window trim, screens, fence stain splatter, garage door panels, and outdoor HVAC components. These help establish storm impact across the property.

Filing a Claim in Texas

What is the first step to filing a roof claim?

1. Document the damage (photos/video)

2. Protect the property (temporary mitigation if needed)

3. Open a claim with your carrier

4. Schedule the adjuster visit

5. Have your contractor present for the inspection (recommended)

Storm date/time (or best estimate), what you observed, where leaks occurred, photos, policy number, and whether emergency mitigation (tarping) was performed.
If there’s a risk of water intrusion and it’s safe to do so, yes. Most policies require you to prevent additional damage. Save receipts and take photos before/after mitigation.
It varies by carrier, storm volume, and claim complexity. Most delays happen when inspections, documentation, or supplements are incomplete. Our approach is to document thoroughly up front to reduce back-and-forth.
Not required. Many homeowners choose one trusted contractor to perform a full inspection, build a clear scope, and attend the adjuster meeting so nothing is missed.

Deductibles, Payments & What’s Legal in Texas

What is my deductible and when do I pay it?
Your deductible is your portion of a covered loss and is typically paid as part of the project cost. Most homeowners pay it at the start or during the build (depending on contract structure and the claim).
No. In Texas, contractors cannot waive deductibles or help homeowners avoid paying them. If someone offers a “free roof,” treat it as a red flag.
Often in stages: an initial payment (sometimes minus depreciation), then additional payments after work is completed and documentation is submitted.

● ACV (Actual Cash Value): depreciation is applied upfront
● RCV (Replacement Cost Value): depreciation may be released after the work is
completed (policy-dependent)

On many RCV policies, the insurer holds back depreciation until repairs are completed. Once the project is done, you submit final invoices/photos to request the withheld amount.

Adjusters, Inspections & Scope Accuracy

Should my contractor be present for the adjuster inspection?
Yes—strongly recommended. A contractor can help ensure storm-related items are properly documented and included: flashing, vents, drip edge, valley metal, ventilation, decking needs, and code-related line items when applicable.
Do: be factual—what happened, what you observed, and where issues occurred. Don’t: guess about pre-existing problems or accept a final scope on the spot without reviewing documentation.
Common reasons include missing line items, incorrect measurements, overlooked collateral damage, improper waste factors, incomplete steep/high charges, omitted code-related items (when covered), or depreciation/endorsement limitations.
A supplement is additional scope submitted after the initial estimate—often due to hidden damage discovered after tear-off, or items missed during the first inspection.
Sometimes—if your policy includes Ordinance or Law coverage. Coverage varies widely by policy and carrier, and code requirements may apply depending on the scope of replacement.

Repairs vs Replacement, Matching, and Partial Slopes

Will insurance replace my whole roof if only one slope is damaged?
It depends on damage severity, repairability, brittleness, material availability/matching, and your specific policy language. Some claims are repairable; others justify replacement.
Matching is a frequent point of dispute. Some policies limit matching; others allow broader replacement depending on coverage and local conditions. We document availability and repairability to support the right outcome.
Insurance typically covers sudden storm damage, not long-term wear and tear. The key is clearly documenting storm-created damage versus age-related deterioration.

Disputes, Denials & Your Options

What if my claim is denied or underpaid?
You can request a reinspection, submit additional documentation, and escalate through available policy processes. A strong photo record and professional scope often make the difference.
Appraisal is typically used when there’s disagreement on the amount of loss (scope/pricing), not necessarily whether damage is covered. Your policy language controls how it works and when it can be invoked.

Contractor Choice & Avoiding Scams

Do I have to use the insurance company’s preferred contractor?
No. You have the right to choose your contractor. We recommend working with a reputable, insured, established local contractor who documents thoroughly and communicates clearly.
Watch for: high-pressure tactics, “free roof” promises, deductible waiver language, vague contracts, no proof of insurance, no local presence, and demands for full payment upfront.
Claim number, adjuster notes, emails, photos/video, mitigation receipts, contractor scope, insurer estimate(s), supplement approvals, and final invoices.
That’s common. Many insurers include the mortgage company as a co-payee. Your lender may require specific paperwork or inspections before endorsing funds.
Start with your carrier’s claim department. If needed, the Texas Department of Insurance provides consumer guidance and resources. You can also hire a Licensed Public Adjuster.

Texas Insurance & Storm Claim Disclaimer

Disclaimer: This FAQ is provided for general informational purposes only and does not constitute legal, insurance, or public adjusting advice. Coverage, claim rights, and processes vary by policy and carrier. Always review your policy and consult your insurance company or a qualified professional for guidance specific to your situation. In emergencies, prioritize safety and take reasonable steps to prevent further property damage.