Roof Insurance ClaimsBased in Prosper, TX

The Difference

What to know before you decide.

When the adjuster comes out, we meet them at the property. Walking the roof together means the damage is identified in person, and any disagreement about what is storm damage and what is wear gets talked through while both people are standing on it. Our HAAG Certified Inspector credentials help here, because they train inspectors to read a roof the way most adjusters are trained to read it.

After the inspection the carrier issues a scope of loss and, usually, a first payment. Many Texas policies pay replacement cost in two parts: the actual cash value first, then the depreciation held back once the work is finished and invoiced. If the approved scope leaves out items the job requires, such as code-required drip edge, decking or extra layers, those can be sent back to the carrier as a supplement with documentation.

Your deductible is yours to pay. Texas law makes it illegal for a contractor to waive, absorb or rebate a homeowner insurance deductible, so be careful with any roofer who offers to. Texas also bars contractors from acting as public adjusters on a claim they are doing the work on. Our job is to document the damage, meet the adjuster and build the roof to the approved scope. The decisions on your claim stay between you and your carrier.

A denial is not always the last word. Carriers sometimes deny claims that deserve a second look, especially when the first inspection was quick or the damage was hard to see. A re-inspection request with better documentation can change the outcome. We will tell you honestly whether your roof looks like a case worth pursuing.