We Handle Your Roof Insurance Claim With You
Hail or wind damage in Austin? Your policy likely covers it, and the difference between a smooth claim and a denied one is documentation. We inspect, photograph, meet the adjuster on your roof and make sure the scope includes everything the storm actually did.
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- Fully Insured
- Serving Austin Since 2014
- 24/7 Emergency Service
The Roof Insurance Claim Process, Step by Step
Here’s what actually happens, and where we fit in.
- Inspect firstBefore you file, we inspect for free and document with photos. If there’s no damage, you don’t file. If there is, you file knowing what to expect.
- File the claimYou call your insurer and report the storm date and damage. We help with the details and provide our report. You get a claim number and an adjuster appointment.
- Adjuster meetingWe’re on the roof with the adjuster, pointing out every slope and soft metal we documented. This is where items get missed if nobody’s watching.
- Scope and approvalThe insurer issues a scope and payment. We review it line by line against our findings and request a supplement if anything’s missing.
- InstallationWe install per the approved scope with our full warranty. You pay your deductible; the insurer pays the rest, often in two payments.
- Final invoiceWe send the completion documents your insurer needs to release the final payment (recoverable depreciation). Done.
What Texas Homeowners Should Know
Covered vs. not covered
Sudden damage from hail, wind, fallen trees and other storm events is covered on most Texas homeowner policies. Wear, age and lack of maintenance are not. That’s why the inspection matters: we tell you which you have before you make a claim on your record.
Deductibles are the law
Since 2019 it’s a criminal offense in Texas for a contractor to waive, absorb or rebate your deductible, and insurers can demand proof you paid it. Anyone offering a “free roof” by eating the deductible is exposing you, not helping you. Financing a deductible is legal and common.
Deadlines
Policies set a window for reporting storm claims, often one to two years from the storm date, sometimes less. Damage found late is damage you may pay for yourself.
ACV vs. RCV
Replacement Cost Value policies pay to replace the roof (minus deductible), typically in two payments with the second released when the work is done. Actual Cash Value policies pay a depreciated amount, and some Texas insurers have moved older roofs to ACV. Check your declarations page; we can help you read it.
You choose the roofer
Your insurer may suggest contractors, but you are not required to use them. The claim pays for the roof; who installs it is your decision.
Denied or Underpaid? We Review the Scope.
Adjusters miss things. Sometimes it’s a slope, sometimes it’s the whole roof.
When an insurer’s scope doesn’t match what we documented, we put the two side by side and request a re-inspection or a supplement with our photos as evidence. Many denied and underpaid claims are reversed this way. We’re not public adjusters or attorneys and we’ll tell you when a situation needs one, but most disagreements are solved with documentation, and ours is thorough.
Insurance Claim FAQ
Should I call my insurance company or a roofer first?
A roofer, for a free inspection. If there’s no damage, you’ve avoided a claim on your record. If there is, you’ll file with photos in hand and know what to expect from the adjuster.
Will a claim raise my premium?
Weather claims are generally treated differently from claims you caused, and one hail claim rarely triggers a surcharge on its own in Texas. Premiums in hail-prone areas rise regardless of whether you file. Ask your agent for their carrier’s specific approach.
What does “recoverable depreciation” mean?
On an RCV policy the insurer first pays the depreciated value of the roof, holding back the difference until the work is completed. Once we send completion documents, they release that held-back amount. You don’t lose it; you just receive it in two parts.
Do you charge for the adjuster meeting or claim help?
No. Inspection, documentation, meeting the adjuster and scope review are all part of the job when we do your roof.
What if the adjuster says it’s only a repair?
Sometimes they’re right. If the damage is truly isolated, a repair is the correct outcome and we’ll do it well. If our documentation shows damage across multiple slopes, we request a re-inspection with our photos. The evidence decides, not the first opinion.
Can I keep the insurance money and not replace the roof?
On most policies you’d receive only the depreciated amount and forfeit the rest, and an unrepaired roof may not be covered in the next storm. Your mortgage lender may also be named on the check. We recommend against it; talk to your agent about your specific policy.
Storm Damage? Start With the Facts.
Free inspection, photo documentation you can hand your insurer, and a roofer on your side of the claim from the first call.
- Adjuster-grade documentation
- We meet the adjuster on your roof
- No charge for claim assistance
Prefer to talk now? (512) 948-3567