Insurance-Claim Assistance
Filing a roof insurance claim is confusing and stressful. The roofers we connect you with are experienced in storm and insurance work, so they help you document storm damage properly, understand what your policy covers, and handle the process with you and your adjuster so your claim reflects the real condition of your roof.
Filing a roof claim has a rhythm, and getting it right matters. The Texas Department of Insurance advises homeowners to report damage to their insurer as soon as possible, photograph and video everything before any cleanup, and make only temporary repairs to prevent further damage until the adjuster has inspected the roof. The roofers in our network work within that process: they inspect, document the damage in detail, and hand you the photographs and written findings that support your claim.
Connecting you with vetted, trusted roofers also helps you avoid the traps the state warns about. After every major Texas storm, out-of-town crews appear offering to waive your deductible. Under Texas law, House Bill 2102, effective September 1, 2019, it is illegal for a contractor to waive, absorb, or rebate your insurance deductible, and doing so is a form of insurance fraud that can put your claim at risk. The Department of Insurance publishes the signs of a contractor scam, and the roofers we work with do not play those games. You pay your deductible, as the law requires, and you get honest documentation and a fair estimate.
When the adjuster comes out, the state's own advice is to be there, point out all the damage, and get more than one bid before settling, which the Department lays out in its roof claims guide. The roofer is glad to meet your adjuster on site, walk the roof together, and make sure nothing is missed. The aim is to represent the real condition of your roof accurately, not to inflate it, so your claim reflects what is actually there.
Available Across Our Service Area
Frequently Asked Questions
- Can you waive my deductible?
- No, and you should be wary of any roofer who offers to. Under Texas law it is illegal for a contractor to waive, absorb, or rebate your insurance deductible, and the Texas Department of Insurance treats the offer as a sign of a scam. You are responsible for paying your deductible, and the roofers we connect you with give you honest documentation for your claim.
- What should I do right after storm damage?
- Report the damage to your insurance company as soon as you can, take photos and video before any cleanup, and make only temporary repairs until the adjuster has seen the roof. The Texas Department of Insurance lays out these steps, and the roofer we connect you with can inspect and document the damage to support your claim.
- Do the roofers work directly with my insurance adjuster?
- Yes. The roofer we connect you with can meet your adjuster on site, walk the roof together, and point out damage that is easy to miss from the ground. The state recommends being present for the adjuster's visit and getting more than one bid before you settle, and we support that fully.
- Will the roofer just tell my insurance the whole roof needs replacing?
- No. The roofers we connect you with document the real condition of your roof, no more and no less. Inflating a claim is fraud and it puts you at risk, not only the contractor. An honest assessment protects you and your claim.
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