FAQs
Clear Answers from Roofing and Insurance Claim Experts
We know roofing and insurance claims can feel overwhelming, so we’ve answered the most common questions to help you better understand the process and make informed decisions with confidence.
How do I know if my roof was damaged after a hail storm?
Hail damage may include bruised shingles, granule loss, dented vents or gutters, and impact fractures that aren’t visible from the ground. A professional roof inspection is the best way to document storm damage for insurance purposes.
Should I call a roofer or my insurance company first after storm damage?
A qualified roofer should inspect and document storm damage first so you can file an accurate claim with proper support. This helps confirm legitimate damage before contacting your insurance carrier.
How does the roof insurance claims process work?
The typical process includes a roof inspection, filing a claim, an adjuster visit and scope of loss, an initial ACV payment, then final payment of recoverable depreciation after completed repairs if the policy provides RCV coverage.
How do deductibles work on roof insurance claims?
A deductible is the portion the homeowner pays out of pocket. In Texas, storm deductibles may be a flat amount or a percentage of the home’s insured value, and reputable contractors do not waive deductibles.
Will my insurance premiums increase if I file a roof claim?
Insurance premium changes depend on your provider, claim history, and the type of claim filed. Weather-related claims like hail or wind are often considered ‘acts of nature’ and may have less impact than other claims, but increases are still possible and should be discussed with your agent.
Do I need to be home during the roof inspection?
It is not always required for the homeowner to be present during the inspection, but it can be helpful. Being available allows the contractor to explain findings in real time and answer any questions about the condition of the roof.
How long does a roof replacement take?
Most residential roof replacements can be completed in one day, depending on the size of the home, weather conditions, and material availability. Larger or more complex projects may take longer.
What is ACV vs RCV in roof insurance claims?
ACV (Actual Cash Value) is the depreciated value of the roof based on age and condition. RCV (Replacement Cost Value) is the full replacement cost minus the deductible, with depreciation often paid later if it is recoverable under the policy.
How long do I have to file a storm damage insurance claim in Texas?
Deadlines vary by policy, but many Texas policies require storm-related claims to be filed within one year of the event. Homeowners should review their policy and schedule an inspection as soon as possible after a hail or wind storm.
What should I do if my roof claim is denied?
A denial may be appealed or reviewed with additional documentation. Homeowners can request a re-inspection, provide supplemental evidence, and compare findings to policy language and storm-related damage indicators.
How can I avoid roofing scams or storm chasers after a big storm?
Avoid high-pressure door-to-door contractors, large upfront deposits, and companies without a local presence. Choose a licensed, insured contractor with local references, clear documentation practices, and owner oversight.
Can you match my existing shingles if only part of my roof is damaged?
Shingle matching depends on product availability, age, and manufacturer. In many cases, exact matches are difficult due to fading or discontinued lines, which may result in a noticeable difference between old and new materials.
What happens if additional damage is found during the project?
If hidden damage is discovered during the repair or replacement process, the contractor can document the findings and submit a supplemental claim to the insurance company for review and potential additional coverage.”
Is my insurance claim check made out to me or the roofing company?
Insurance claim payments are typically issued to the homeowner, and sometimes include the mortgage company as a co-payee. The homeowner is responsible for paying the contractor according to the agreed contract and project milestones.