What a Roofing Contractor Can Provide After Storm Damage
- Photos of visible roofing damage and affected areas.
- Measurements and roof-area information.
- Material and repair-scope recommendations.
- A written estimate for roof repair or replacement.
- Technical information about roofing materials, installation details and repairability.
- Access for an inspection when appropriate and answers to technical roofing questions.
What We Do Not Advertise
Texas Department of Insurance says contractors who may perform the repair cannot act as the policyholder's public insurance adjuster on the same claim. We therefore do not advertise that we file the homeowner's claim, negotiate the settlement, interpret coverage for the policyholder or promise to recover a particular amount. Read TDI's roofing and insurance guidance.
A clearer division of roles
- Homeowner: reviews the policy and decides whether to file a claim.
- Insurance company or adjuster: evaluates coverage and the insurer's estimate.
- Roofing contractor: documents roof conditions and provides a roofing scope or estimate.
- Licensed public adjuster, if separately hired: may represent the policyholder within the limits of Texas law.
Roof Inspection Before an Insurance Decision
A homeowner does not need a roofing contractor to decide whether a claim should be filed. What we can do is explain the roof condition so you have better information. If the roof shows localized damage, the scope may be repair. If the roof shows wider damage or material deterioration, the scope may be replacement. Coverage is a separate policy question.
Roof Estimate, Photos and Measurements
Requests for a roof estimate after hail or storm damage often mix two different needs: understanding the roof and understanding the insurance policy. Our estimate addresses the roofing work. It can identify materials, areas, quantities and repair or replacement tasks. It does not determine what an insurance company must pay.
Deductibles in Texas
Texas law requires policyholders to pay applicable property-insurance deductibles, and contractors should not offer to waive, rebate or absorb them. TDI also notes that insurers may request proof the deductible was paid. That is why our site does not use “free roof” or “we cover your deductible” language.
Impact-Resistant Roofing and Insurance Credits
Some qualifying impact-resistant roofing products may receive insurance credits. Texas Department of Insurance explains that products are tested and classified, but each insurance company sets the discount amount and documentation requirements. Review TDI impact-resistant roofing credits.
What to Keep for Your Own Records
- Roof inspection photos and date.
- Written repair or replacement scope.
- Product information if materials are selected.
- Contract, change orders and invoices.
- Proof of deductible payment when applicable.
- Manufacturer and workmanship warranty documents.