When storm damage hits, many homeowners turn to their insurance provider for help covering the cost of roof repairs or replacements. Understanding the insurance process can save you time, stress, and money. Here's a simple breakdown of how it typically works:
After a storm, the first step is getting a professional roof inspection. A qualified contractor will assess the damage, take photos, and document all areas of concern. This documentation becomes the foundation for your insurance claim.
You’ll contact your insurance provider to report the damage. They may ask for photos, inspection reports, and a brief description of the event. Once the claim is submitted, the insurance company will assign an adjuster.
An insurance adjuster will schedule a visit to your home to verify the damage. It’s often a good idea to have your contractor meet the adjuster on-site to ensure all issues are seen and properly evaluated.
If the adjuster confirms the damage is covered, your claim will be approved. The insurance company typically provides a summary called a "scope of loss," outlining what they’re paying for and how much.
Once approved, your contractor will review the scope, order materials, and schedule your roof replacement. Most reputable contractors can handle supplements and additional approvals if more damage is uncovered during the project.
Insurance usually pays in two parts—an initial payment and a final one after the work is complete and any recoverable depreciation is submitted. Be sure to pay your deductible directly to the contractor—this is required by Texas law.
Navigating insurance claims can be complex, but with the right guidance and a knowledgeable contractor, it becomes a smooth and stress-free process.
