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Roof Insurance Claims
VALUABLE EXPERTISE. BETTER RESULTS.

Houston Property Owners: Are You Getting What You
Should On Your Roof Insurance Claim?

FACT: Your Insurance Company Interests Are NOT
The Same As Your Interests

If your roof has sustained damage from hail, wind, or other storm damage in the Houston area, your insurance should cover the costs (less your deductible) to restore the roof to where it was before the damage.

At least, that’s how it should work in theory.

In practice, it doesn’t always work out that way.

The basic problem is that your insurance company has an interest in keeping their costs as low as possible (they are a for-profit business, after all). And their biggest costs are paying out claims.

So, it’s just a FACT: your insurance company’s interests and your interests aren’t completely aligned. You want the full and necessary amount to restore your roof to where it was prior to the storm. Your insurance company wants to control costs.

Are we saying that insurance companies are only out to cheat you?

No, that wouldn’t be fair.

But we are saying that you need to go into the process with your eyes wide open.

No matter how much you like your insurance agent, your agent won’t be the claims adjuster. The process is complicated, and the insurance company knows the “ins and outs” of the process a lot better than most property owners.

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Roof Insurance Claims Overview Why Choose Houston Roofing Roofing Insurance Claims Showcase Reviews Insurance Claims FAQ Schedule Your Consultation

What You Need Is A True Professional For YOUR Interests

That’s Where We Come Into The Picture!

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Filing a roof insurance claim on your own would be a lot like going into a courtroom without a lawyer.

You don’t know the rules, you don’t know the right questions to ask, and the other side is going to use all that to their advantage.

Even worse, this “courtroom” is one where the insurance adjuster also serves as judge and jury, too. If they say, “Claim denied” or “This is the small amount you get,” you have little recourse if you don’t understand how the process works.

The bottom line is that this is a cumbersome, confusing process. You NEED someone to help you.

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Is Your Insurance Claims Adjuster Experienced Enough?

One thing we’ve seen far too often is roof insurance claims adjusters who don’t know nearly enough about roofs. That might sound crazy, but it happens more than you’d think.

Examples of some of the things we’ve seen:

  • Adjusters confuse hail damage (which is covered by insurance) with “blistering” (which is heat damage caused by a poorly ventilated roofing system and not covered by insurance).
  • After big storms, insurance companies will sometimes use adjusters from other areas of the company — adjusters with absolutely no roofing experience — to handle the rush of claims.
  • Roof claims adjusters not being able to confidently tell the difference between normal wear and tear (not covered) from TRUE storm damage (covered).
  • We even had one memorable experience where we met an adjuster in the field on his very first day. He was not properly trained, had no other adjuster there to teach him, and barely knew how to get up the ladder!

Now ask yourself… if any of these things happened with your claim, do you think you’ll get a fair shake without someone experienced looking out for you?

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… And One Last Thing To Watch Out For

We do need to warn Houston property owners about one other issue with roof insurance claims.

While we do think you should always have a roofing contractor help you through this process, you do need to be very careful about which advocate you choose.

Not all Houston roofing companies maintain the highest standards of integrity.

Here are some red flags to watch out for:

  • Any roofing company that offers to get you a “free roof” or says they’ll help you out with the deductible (this is insurance fraud).
  • Any roofing company that “storm chases” from town to town or goes knocking on doors offering to file a roofing insurance claim — all before even knowing anything about your roof.
  • Houston roofing companies without proper credentials and proof of reputation. (Are they RCAT Licensed? Do they have lots of 5-star Google reviews? Are they A+ Rated with the Better Business Bureau? Do they have their own team of Project Managers, or do they subcontract everything?

Choose wisely, and you’ll get every penny you need to restore your roof; choose poorly, and you’ll have headaches and a roof that is never made whole.

Why Choose Houston Roofing

5 Key Reasons To Pick Up The Phone Today!

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When it comes to completing projects, we go above and beyond to ensure that every detail is handled with care and precision. From start to finish, we prioritize quality and professionalism to ensure that our clients are completely satisfied with the final product.

In addition to our exceptional customer service and skilled team, we have identified five other reasons why you should choose Houston Roofing & Construction for your next project.

#1: Pro Project Management

We take project management seriously by going above and beyond industry standards — starting with our RCAT license, GAF Master Elite certification, and BBB A+ rating. Our full-time project managers receive top-notch training to ensure they are knowledgeable, friendly, and ready to tackle your insurance claim.

Read more about our Pro Project Management…

#2: We Are Proud To Serve Our Community

We’re a local family-owned roofing company that cares about our community and customers. We don’t just chase jobs all over the state — we’re committed to serving the Houston area and have our roots firmly placed here. If you want a roofing company that puts customers first and knows Houston like the back of our hand, you’ve come to the right place!

Read more about how We Are Truly Local…

#3: Hassle-Free Service For Over A Decade

Say goodbye to the stress of dealing with roofing contractors! Houston Roofing is here to offer you a smooth and effortless experience that guarantees satisfaction. With the help of our expert project managers and cutting-edge technology, your roof repair or replacement will be a breeze.

Read more about our Hassle-Free Service…

#4: Honesty Is The Houston Roofing Policy

We pride ourselves on our transparent approach when it comes to roofing services. Our team won’t push for a new roof when a repair will suffice, and we’ll never sugarcoat the truth. And the best part? We’ll make sure you get every penny you’re due from your insurance provider.

Read more about our Honest Assessments…

#5: We Stick To Our Core Values

Our team is not just experienced but passionate about the work they do. We take pride in doing things the right way from the start and prioritizing our customers’ needs through our core company values. When you choose our team, you’re gaining a group of professionals who work for YOU and your needs.

Read more about our Core Values…

Check Out A Few Of Our Previous Roofing Projects

Showcasing Houston Area’s Finest

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Roof Insurance Claims

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Roofing Insurance Claims FAQ From Home And Business Owners

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What Comes Next After My Insurance Claim Is Approved?

After your insurance claim is approved, we will get to work repairing or replacing your home’s roof, depending on the extent of the damage. Our team of experienced professionals will ensure that the work is done quickly, efficiently, and to the highest standards.

Do Insurance Companies Cover Full Roof Replacements?

Whether insurance companies cover full roof replacements depends on your provider and plan. Some policies may cover the full cost of a new roof, while others may only cover partial repairs. It’s essential to review your policy and discuss your coverage options with your provider.

Do You Use Subcontractors For Your Roofing Services?

We partner with crews that meet our very high standards. These are experienced and trained professionals that work with our fully employed Project Managers to give you the best possible service and high-quality craftsmanship.

Your satisfaction is always most important to our team!

Will my homeowners insurance cover a roof replacement?

Insurance covers property damage caused by an occurrence, typically wind or hail, but it does not cover wear, age, or deferred maintenance. Whether you have a claim depends on documented storm damage, not on the roof’s age. Two policy details determine what you actually receive: whether your coverage is replacement cost or actual cash value, and your deductible, which on many Texas policies is a percentage of the dwelling value rather than a flat amount. We inspect, photograph, and provide a written scope of repair. Filing and handling the claim is between the homeowner and the insurance carrier, not the contractor.

What is the difference between ACV and RCV on a roof claim?

Actual cash value (ACV) policies pay only the depreciated value of the roof at the time of the loss. Replacement cost value (RCV) policies pay the depreciated amount first, then release the remaining cost of the full replacement once the work is completed and documented with proof of deductible payment. The practical difference of ACV versus RCV policies on a Houston roof can be many thousands of dollars depending on how much the home’s roof has depreciated. Many carriers have shifted home insurance policies to ACV or to a roof payment schedule (RPS) as a monthly premium reduction solution for homeowners looking to reduce the monthly expenses for home insurance. Check your declarations page, because this single line determines your out-of-pocket cost if you need to file a claim for a loss.

Do I have to use the roofing contractor my insurance company recommends?

No. You choose your own contractor. Carriers maintain preferred vendor programs and often suggest construction companies, but you are not required to use one, and the contractor works for you rather than the carrier. Some homeowners prefer a program contractor for convenience. Others prefer independence, particularly where the scope of repair is in question.

How long do I have to file a hail damage claim in Texas?

Most Texas policies require prompt notice after you discover damage, and many limit claims to within one to two years of the date of loss. Texas law governing property insurance claims changed in 2017, which affected notice requirements and remedies, so the deadlines that apply to you depend on your policy and when the loss occurred. Read your policy language and do not delay. Damage from a storm two seasons back becomes considerably harder to substantiate.

What should I do if my roof insurance claim is denied?

Start by getting the denial in writing with the specific reason. Then get an independent inspection with photographic documentation, becauAse denials frequently rest on an adjuster’s brief visual inspection that may have missed damage or misattributed it to wear. You can request a reinspection through your carrier. If there is a dispute involving the amount or the interpretation of coverage rather than the facts, a licensed public adjuster or an attorney is the right resource. Texas law limits roofing contractors from discussing policy coverage, so our role is to inspect and document, not to negotiate.

Does insurance pay to replace the whole roof or just the damaged section?

It depends on the extent of documented damage and on your policy. Where damage is confined to one slope, some carriers will pay for that slope only. Where damage is distributed across the roof, or where matching an existing discontinued shingle is not possible, a full replacement is often warranted. Documentation drives this outcome, which is why thorough photographic inspection across every slope matters rather than just the slope where you noticed a problem.

Another contractor told me I should file an insurance claim. What do you think?

There are contractors that will press a homeowner to file a claim, whether there is damage to support it or not. Our approach is to thoroughly inspect your property, as well as confirm a storm has affected your address and then make a recommendation as to whether or not there is sufficient damage to support pursuing a claim. And most importantly, don’t ever feel obligated to sign a commitment to a contractor when you are being encouraged to file a claim.

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