Frequently Asked Questions
Does my insurance cover roof damage?
Most homeowner policies cover damage from storms, wind, or hail. We can help review your policy and guide you through the claim.
What if my claim is denied?
If denied, we can inspect the roof again and help gather the proper documentation to request a reinspection or supplement.
Can I choose my own contractor?
Yes. You’re not required to use the insurance company’s contractor. You have the right to choose who you trust.
Do I have to pay my deductible?
Yes. Texas law requires homeowners to pay their deductible. Any contractor offering to waive it is breaking the law.
What if the insurance estimate is too low?
We specialize in supplements. If something’s missing or underpaid, we’ll work with the adjuster to justify the full scope.
How long do I have to file a claim?
In Texas, most policies give you 1–2 years after a storm to file. Don’t wait—schedule your inspection ASAP.
What if I don't see visible damage?
Damage isn’t always obvious. We offer free inspections to identify issues early before leaks or bigger problems appear.
Will a roof claim raise my insurance premium?
Claims for storm damage (acts of nature) typically don’t affect your rates individually, but area-wide rate increases can happen.
Should I contact my insurance or a roofer first?
Start with a trusted roofer. We’ll inspect, document damage, and tell you if filing a claim is necessary—saving you time and hassle.
Can I upgrade my roof during an insurance claim?
Yes. Insurance pays to restore to original specs, but you can pay the difference if you want to upgrade materials (like from shingle to metal).
What is a supplement in insurance claims?
A supplement is a request for additional payment if the original insurance estimate missed required items. We handle this directly.
How long does the roof replacement process take?
Most replacements take 1–2 days once scheduled. Timelines may vary based on material availability and weather.
Do I need to be home for the inspection or build?
No. But we recommend being available by phone. We’ll communicate clearly and provide photo documentation if needed.
Do you help with ACV vs RCV policies?
Yes. We explain the difference (Actual Cash Value vs. Replacement Cost Value) and how it affects your out-of-pocket cost.
What is an insurance deductible?
The deductible is the portion of the claim the homeowner is responsible for paying before insurance covers the rest.
Do I have to pay my deductible?
Yes. In Texas, homeowners are legally required to pay their deductible. Any contractor offering to waive it is violating state law.
When do I pay the deductible?
The deductible is typically paid once the project starts or when final payment is collected, depending on the insurance process.
Can my deductible be financed?
In some cases, financing options may be available. We’ll review your situation and explain what options you have.