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Roof Insurance Claim FAQ for Texas Homeowners
Straight answers about hail and wind claims, deductibles, adjusters and your rights. From a local roofer that has helped thousands of North Texas families.
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Insurance claim questions
Will my insurance pay for a new roof after hail?
If the storm caused covered damage, your policy may pay to repair or replace the roof minus your deductible. Coverage depends on your policy, so read it or ask your agent.
How long do I have to file a roof claim in Texas?
It depends on your policy. Many Texas homeowner policies allow one year from the date of the storm, but check yours and file as soon as you can.
Can a roofer pay or waive my deductible?
No. Texas law prohibits contractors from waiving, rebating or paying a homeowner's insurance deductible. Be cautious of anyone who offers to.
What is the difference between ACV and RCV?
Replacement cost value (RCV) policies pay to replace the roof at today's prices, often in two payments with the second released after the work is done. Actual cash value (ACV) policies subtract depreciation, so you receive less for an older roof.
Will filing a claim raise my premium?
A single weather claim may or may not affect your rate depending on your insurer. Ask your agent before filing if you are concerned.
What if my claim is denied or the payment seems too low?
You can ask for a re-inspection, provide more photos and documentation, or request an appraisal if your policy includes it. We can help document the damage.
Should the roofer meet the adjuster?
It helps. A roofer who attends the adjuster inspection can point out damage that is easy to miss, so your claim is complete.
Before you file
We are roofers, not attorneys or public adjusters. These answers are general information. Your policy wording controls your coverage, so check it or talk to your agent.
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