Roofing Insurance Claims: What You Need to Know Before Filing in Texas

Roofing issues are a significant concern for homeowners in Texas, given the state’s unpredictable weather patterns. From hailstorms to high winds, the conditions can wreak havoc on your roof and, subsequently, on your insurance claim process. Here’s what you need to know before filing a roofing insurance claim in Texas.

1. Understanding Your Policy

Before you file a claim, it’s crucial to thoroughly review your homeowner’s insurance policy, as policies have changed significantly over the last year, both in cost and coverage. Understanding these specifics can make a vital difference, as the game is not the same as it once was.

Here are a few points to check:

Coverage Limits: Know the maximum amount your policy will pay for roof damage.

Deductibles: Be aware of your deductible amount and how it affects your claim.

Covered Perils: Ensure that the type of damage (hail, wind, etc.) is covered by your policy.

2. Documenting the Damage

Proper documentation is essential when filing a roofing insurance claim. Here’s how to do it effectively:

Take Photos and Videos: Capture clear images and videos of the damage from various angles. This includes close-ups of specific damage and wider shots of the entire roof.

Detailed Notes: Make notes on the date and time of the damage, the extent of the damage, and any temporary repairs you’ve made.

Professional Inspection: Consider hiring a professional roofer to inspect the damage and provide a detailed report, which can support your claim.

3. Filing the Claim

When you’re ready to file the claim, follow these steps:

Contact Your Insurance Company: Notify your insurer about the damage as soon as possible, as most companies have strict time limits for filing claims. Carriers are increasingly denying coverage due to delays, so it’s crucial to act promptly—waiting is no longer an option.

Provide Documentation: Submit the photos, videos, and inspection reports you’ve gathered. Be thorough and precise to support your claim effectively.

Keep Records: Document all communications with your insurance company, including phone calls, emails, and letters.

4. Working with Adjusters

Insurance adjusters will assess the damage and determine the amount your insurance company will pay. Here’s how to navigate this process:

Be Present During the Inspection: If possible, be present when the adjuster inspects your roof, as this allows you to provide context and address any questions they might have. Moreover, it’s crucial for business and homeowners to be proactive advocates for themselves—Texas law now prohibits roofing contractors from negotiating directly with carriers.

Review the Adjuster’s Report: After the inspection, review the adjuster’s report carefully. Ensure that it accurately reflects the damage and includes all necessary repairs.

5. Legal and Professional Help

If you encounter difficulties with your claim, consider seeking professional help:

Insurance Attorneys: They can offer legal advice and help you navigate disputes with your insurance company.

Public Adjusters: These professionals can represent your interests and work to ensure that you receive a fair settlement.

6. Post-Claim Steps

Once your claim is settled, follow these steps to complete the process:

Review the Settlement: Ensure that the settlement amount covers all necessary repairs and replacements.

Hire a Reputable Contractor: Choose a licensed and reputable roofing contractor to perform the repairs.

Keep All Records: Maintain records of all repairs and expenditures related to the claim for future reference.

In Conclusion

Filing a roofing insurance claim in Texas doesn’t have to be a stressful experience. By understanding your policy, documenting the damage, and following the appropriate steps, you can navigate the process more effectively. This comprehensive page from the Texas Department of Insurance answers a lot of common questions.

And remember, we at PEAK are always on call to help you make sense of your insurance claim and get your repairs done quickly and painlessly. Reach out any time! 

Jeff Riss,
President, Peak Roofing & Construction