Roofing Insurance Claims

The roof is one of the most important components of your house or business. It protects everything inside from the harshest weather elements. If you think your roof was damaged from a storm-related event, contact the professionals at Texas Engineered Roofing to help assist you through the insurance claim process. Our team of trained specialists offer a FREE roof assessment and will meet with your insurance adjuster if requested.

5 Easy Steps

Step 1: Contact us for a professional roof and property inspection.

Step 2: If damage is noted, contact your insurance to schedule an adjuster meeting. See the list below of most common insurance contacts.

Step 3: Once approved, a contract is signed to replace your roof per insurance paperwork.

Step 4: Roof installation includes quality products and a detailed cleanup. Once finished, our project manager will walk the job site and fill out a punch list.

Step 5: Any supplement needed to finish the job will be requested and submitted with final invoice to release depreciation withheld up front.

Insurance Contact List

General Storm Hail FAQs

Q: I think my roof is damaged. What should I do?

A: Contact Texas Engineered Roofing and schedule a full property damage inspection. There is no cost for the inspection or obligation to buy anything. We are a reputable contractor that specialize in storm damage repairs and work with insurance claims to make sure you are fairly represented.

Q: What is the cost to inspect my property for damage?

A: Texas Engineered Roofing provides free, no-obligation inspections.

Q: How much will it cost to get the damage fixed?

A: With Texas Engineered Roofing you pay no out of pocket expense other than your insurance deductible. If you are filing an insurance claim, never opt for the cheapest bid. Choose a reputable contractor that is committed to quality workmanship.

Q: Why should I get my home inspected?

A: Peace of mind. Also Hail and Wind can severely damage your roof which may not be readily apparent and not immediately leak. If your home is damaged, you may have a limited time to file an insurance claim. It is always smart to schedule your repairs as soon as possible.

Q: Can Texas Engineered Roofing help me deal with my insurance claim?

A: Texas Engineered Roofing is a licensed roofing contractor and specializes in working through the complex insurance claims process to ensure you get the maximum value for your claim.

Q: Will my insurance premiums go up if I file a storm damage claim?

A: Typically, insurance companies cannot single out a homeowner for a rate increase based on an “Act of God” storm damage claim. However, your insurance company can raise rates for everyone in your area. So, if you don’t file a claim, your increase in premium will pay for everyone else’s repairs, except for yours.

Q: Is it okay to hire the cheapest contractor to fix my home?

A: If your insurance company is paying for your repairs, it may not be in your best interest to hire the cheapest contractor. The factors you’ll want to consider are quality, service, workmanship, materials and warranty.

Q: Can I trust door-to-door contractors?

A: Be wary of door-to-door contractors. If you decide to set up an inspection with a door-to-door company, do your research and make sure they are a credible company that is properly licensed, insured, and trained to install and service materials in your area.

Q: My contractor asked me to sign a contingency agreement? What’s this?

A: A contingency agreement typically includes two parts, an inspection agreement which gives the contractor permission to request an inspection from your insurance company and a work-order agreement.  These contractors are deceiving homeowners by unlawfully soliciting roof repairs.  See the lawsuit against Holden Roofing: https://www.texasattorneygeneral.gov/oagnews/release.php?id=3771.

Q: How long can I file an insurance claim after the storm hits?

A: The time you have to file an insurance claim varies by insurance company, but most insurance policies limit your time to file a claim, within 12-24 months of the storm. Contact your insurance agent to see how long you have to file a claim.

Q: My insurance company denied my claim. Is there anything I can do?

A: You can request two separate adjuster inspections and re-file a claim that has been denied. To increase your chances of approval, make sure your contractor is present during the inspection. Experienced storm restoration contractors can often help get your claim approved, even if it has been previously denied.

Q: My home was hit by hail and now several of my neighbors are getting their roofs replaced, should I have someone inspect my home?

A: Yes. If your neighbors have storm damage and are getting their roof repaired or replaced, chances are very good you have storm damage as well.

Identifying Damage

Q: How can I tell if I have hail damage?

A: Homeowners with hail damage may notice small dents on gutters/downspouts or air conditioning units, missing or bent shingles, washout (granules accumulating in gutters or downspouts), moist areas on your ceiling indicating leaks, cracks or dents in windows or siding, shredded plants and flowers, leaves knocked off trees and dents in cars parked in the driveway. If your car has damage, or your neighbors are getting their roof replaced, chances are your property has sustained damage as well.

Q: What does a hail hit look like on an asphalt roof?

A: A hail hit on asphalt shingles looks like a dark spot, or bruise, where the shingle granules have been knocked away. In some cases you may find holes, cracking, or missing shingles on roofs that have been damaged by hail.

Q: My home was hit by hail, but I don’t see any damage. What should I do?

A: It can be difficult to identify signs of hail damage, and almost impossible to do so from ground level. Have a trained professional inspect your property and look for damage that can lead to leaks, flooding, structural damage and other serious issues.

Q: What are the risks of not fixing a hail damaged roof?

A: The most common problems associated with hail damage are leaking water and flooding. Over time, water that leaks through tiny holes in your roof caused by hail can cause serious issues including water damage, mold and structural damage, including a roof collapse.

Q: My roof is damaged. Can I just fix it myself?

A: If your roof has been damaged by a storm and you are filing an insurance claim to pay for the repairs, there is no advantage to doing the work yourself. Hire a reputable contractor, with storm damage experience that is committed to quality workmanship.

Q: Can storm damage impact the resale value of my property?

A: Yes. If you plan to sell your home in the future, it is critical to address storm damage issues immediately. Many homeowners are shocked to learn they have costly storm damage to repair before they can sell, long after the time to file an insurance claim has expired.

Q: My home is fairly new. Won’t my homebuilder’s warranty cover the repairs?

A: No. Storm damage is almost always a named exclusion in manufacturers, homebuilders and contractor’s warranties, which are designed to cover issues with materials and workmanship, not storm damage, or other factors beyond anyone’s control.

Q: My roof is leaking. What should I do?

A: You have two basic options. First, you can try to fix the problem by repairing or patching your roof. Or, you can completely replace your roof. If you are filing an insurance claim, you should contact a reputable insurance restoration contractor who can help you determine the best option for your situation.

Q: What does hail do to a roof?

A: On shingle roofs, hail causes damage to the tiny granules that protect your roof from the sun. As the asphalt underlayment is exposed, the corners start to curl up and become brittle. Hail damage can cause your roof to leak and on tile, slate, and shake roofs, hail can cause cracking, breaking and accelerate the age. The most common hail damage issues are:

1. Leaking, dripping and water stains in your house 
   2. Hail damage accelerates shingle aging and granule loss
   3. Reduces the value of your home 
   4. Can cause mold and structural damage
   5. Voids manufacturer warranty for materials 

Q: How much damage does my roof need to require a full replacement?

A: Typically, if your roof has 7-12 verified hits per 100 square feet, your insurance company will declare your roof a total loss, and replace your roof.

Q: Do I need to get my roof replaced right away?

A: The devastating nature of hail damage is that you might not start experiencing problems, such as leaking, mold, or structural damage right away. But, because most insurance companies limit the time you can file a claim, it is important to get your roof inspected and fixed immediately, before your time to file a claim expires.

Q: Why would my insurance company pay to replace my roof?

A: The purpose of insurance is to protect your property against losses that affect value, functionality and safety. If your home has sustained damage, your insurance company will provide compensation to have your property repaired.