Roof Insurance ClaimsBased in Fort Worth, TX

The Difference

Worth knowing first.

Carriers do not always agree the first time. Claims get denied, or approved for a repair when the damage calls for a replacement. A first answer is not always the final one. Many denials are reversed with better documentation or a second inspection, and when the carrier keeps pushing back, a licensed public adjuster can take on the negotiation for you. We will tell you plainly whether the damage supports pushing back or whether the claim is not worth fighting.

Once the claim is approved, the work follows the scope the carrier agreed to. If removing the old roof turns up something the adjuster could not have seen, such as rotted decking, it can go back to the carrier as a supplement rather than coming out of your pocket without a conversation.

A few things about Texas claims are worth knowing before you file. You pay your deductible, and state law makes it illegal for a contractor to waive or absorb it, so be wary of anyone who offers. Many policies pay the roof at actual cash value, which subtracts depreciation for age, while others pay replacement cost and release the held-back amount once the work is finished. Your declarations page says which one you have.

Insurance money and a roofer’s price are two separate things, and it is easy to feel you are simply handing over the whole check. Our price is set up front like any other job, and we will go through how the insurance figures and the roof cost line up before you sign anything.

Not every roof has a claim. If the inspection finds normal wear and no storm damage, we will tell you that before you call your carrier, because a claim filed on an undamaged roof still sits on your record.