Roof Insurance Claim Questions Answered
Everything you need to know about filing roof insurance claims in Texas—process, timelines, denials, and how we help maximize your claim.
Does homeowner's insurance cover roof damage from storms?
Yes, standard homeowner's insurance typically covers roof damage from hail, wind, and other storms. Coverage includes the cost of repairs or replacement minus your deductible. Cosmetic-only damage policies may have limitations—we help you understand your specific coverage.
How long do I have to file a roof insurance claim in Texas?
Texas law allows 1 year from the date of damage to file a claim. However, we strongly recommend filing within 2-4 weeks of a storm for best results. Waiting reduces approval rates and allows hidden damage to worsen.
What is the roof insurance claim process?
The process includes: 1) Document damage with photos, 2) File claim with your insurer, 3) Insurance sends adjuster to inspect, 4) Receive claim decision and payment, 5) Choose contractor and complete repairs. We assist with every step, from documentation to final inspection.
What if my roof insurance claim is denied?
Denials can often be appealed. Common reasons include cosmetic-only damage, pre-existing conditions, or missed damage. Our HAAG-certified inspectors can provide additional documentation, meet with re-inspectors, and help you file successful appeals.
Should I file a claim or pay out of pocket?
If damage exceeds your deductible, filing a claim usually makes sense. Storm damage claims don't typically raise premiums in Texas. We provide free inspections and honest advice—if damage doesn't justify a claim, we'll tell you.
What is a roofing deductible?
Your deductible is what you pay before insurance covers the rest. It's typically 1-2% of your home's insured value. For a $300,000 home with 1% deductible, you'd pay $3,000 and insurance covers the remainder of repair costs.
How does HAAG certification help my insurance claim?
HAAG Engineering trains insurance adjusters and expert witnesses. Our HAAG-certified inspectors use the same damage assessment methods, creating documentation adjusters trust. This often leads to better claim outcomes and fewer disputes.
What happens when the insurance adjuster comes?
The adjuster inspects your roof, documents damage, and estimates repair costs. We recommend having your contractor present—our inspectors meet with adjusters to ensure all damage is identified and properly documented.
What is a supplemental claim?
A supplement requests additional payment when initial insurance estimates don't cover actual repair costs. This happens when adjusters miss damage or underestimate costs. We handle supplement negotiations to ensure you receive proper compensation.
Can I choose my own roofing contractor for insurance work?
Absolutely. Texas law gives you the right to choose your contractor regardless of what insurance suggests. We recommend selecting a contractor before filing—they can guide the process and ensure nothing is missed.
What if I disagree with the insurance adjuster's assessment?
You can request a re-inspection, provide additional documentation, or invoke your policy's appraisal clause. Our team helps gather evidence, meets with re-inspectors, and advocates for fair treatment on your claim.
Does filing a claim raise my insurance rates?
In Texas, single weather-related claims typically don't raise rates. Insurers expect storm claims in hail-prone areas. However, multiple claims in a short period could affect premiums. We help you make informed decisions about when to file.
Need Help With an Insurance Claim?
Our HAAG-certified team has helped hundreds of Texas homeowners navigate the insurance claim process. Get a free inspection and expert guidance on your specific situation.