Schedule Free Inspection
Schedule your inspection today and get the clarity you need about your roof.
Our team will:
- Perform a complete roof inspection
- Document any storm damage
- Provide a detailed estimate
- Explain your next steps
Davis Custom Construction
15 years of experience as an insurance adjuster and 25 years as a roofing company owner. If you suspect storm damage or want to ensure your roof is in good condition, schedule a free inspection.
Call or text Doc Davis today!
- 405-514-0915
- [email protected]
- Dallas-Fort Worth
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.
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.
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 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.
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 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.
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.