Services
Insurance Claim HelpBased in Denton, TX
We meet the adjuster on the roof and document the damage before it gets measured.
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Insurance Claims
What the job involves.
On a hail roof the paperwork decides how much of it gets paid for. We take that as seriously as the roof.
A claim is a measurement exercise. Your carrier sends an adjuster who will be on a lot of roofs that month, and what gets written into the scope on the day is what gets paid. Damage that is real but undocumented does not become payable later because everyone agrees it was there.
How It Works
Call or send the form
Call (469) 496-7300 or send the form with a few details about your roof.
Free inspection
We inspect the roof at no cost and with no obligation, and give you honest recommendations.
Estimate or claim
You get a detailed estimate. If it is storm damage, we help you with the insurance claim.
Your new roof
An onsite project manager runs the job and checks the property for any other repairs it needs, such as rotted decking or flashing.
The Difference
Why the details matter.
So the sequence matters. Inspection first, with test squares marked out on each slope and photographed with something in frame for scale. Soft metals checked, because a dented gutter face or a bruised vent cap is often the cleanest proof that hail of a given size landed on this address. A written report that you keep, whether or not you file.
Then we meet your adjuster at the property and walk it with them. Not to argue, but so that the two people forming an opinion about your roof are standing on the same slope looking at the same marks. Where a scope comes back missing something that is plainly up there, we supplement it with the photographs and the measurements rather than a phone call.
What we cannot do is tell you whether to file, negotiate your claim for you, or adjust it. Public adjusting is a licensed activity in Texas and we are not licensed for it. What a roofing contractor can do is establish the facts about the roof, present them accurately, and build to the scope that gets agreed. Anyone who offers to handle the whole claim on your behalf, or to make your deductible disappear, is describing something that is against the law here.
The practical part homeowners underestimate is the ordering of the money. Carriers typically release the claim in two parts, an actual cash value payment at the start and the recoverable depreciation once the work is complete and invoiced. We tell you where each payment sits in the schedule before the job starts, so the sequence is not a surprise halfway through.
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Insurance Claims, answered.
Will my homeowner’s insurance cover roof damage?
Most Texas policies cover sudden damage from a storm, meaning hail and wind. They do not cover wear, age or a roof that was already failing. Whether yours does comes down to your policy and the date of loss, and the inspection report is what the answer gets built on.
Can you meet my adjuster?
Yes, and we ask to. Give us the appointment time and we will be on the roof with them, with the inspection photographs and the test squares already marked.
Do you handle the claim for me?
We handle the roof side: the documentation, the measurements, the meeting and the scope. Adjusting a claim on your behalf is a licensed activity in Texas that a roofing contractor is not permitted to do, and anyone telling you otherwise is a reason to keep calling.
What about my deductible?
You pay it. Texas law is explicit that a contractor cannot waive, absorb or rebate a deductible, and an invoice written to hide one is insurance fraud with the homeowner’s name on it. We will show you the deductible on the estimate and where it sits in the schedule.
What if the claim is denied?
A denial is not always the end of it, particularly where the inspection found damage the report does not mention. We will show you what we documented and what it would take to have the file reopened. If the damage genuinely is not there, we will tell you that too, and you will have a written report saying so.
How long does a claim take?
From inspection to the first cheque is commonly a few weeks, longer after a widespread event when every adjuster in the county is booked. We will give you a real schedule rather than a flattering one.
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Insurance Claims
Every one of these starts the same way. Forty minutes on the roof, and a set of photographs.
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