Question 1

Do I need to file a claim before calling you for an inspection?

Accepted Answer

No. We recommend calling us first. We'll inspect at no cost and tell you honestly whether there's documentable damage worth filing on. If there is, we'll prep the evidence package before you call your insurer — which dramatically improves the chance of approval.

Question 2

What if my claim gets denied?

Accepted Answer

Most denials are documentation failures rather than policy problems. If your first claim is denied, we can often file a supplemental claim with better documentation. We've reversed denials for Central Texas homeowners by showing adjusters damage they missed the first time.

Question 3

How much will I pay out of pocket?

Accepted Answer

Your deductible, plus any items your policy doesn't cover (rare, but possible on older policies or excluded perils). We walk through the line-item scope with you before work starts so there are no surprises.

Question 4

How long does the claim process take start to finish?

Accepted Answer

From inspection to approval, most claims close in 7–14 days. Installation typically scheduled within 2–4 weeks after approval depending on weather and material lead times.

Question 5

Can I choose my own roofer, or does insurance pick one?

Accepted Answer

In Texas, you choose your own roofer. Your insurance company may suggest a preferred contractor, but you're not required to use them. You hire whoever you trust — the insurance company pays the approved scope regardless.

Question 6

Do you work with my specific insurance company?

Accepted Answer

Yes. We've worked with every major carrier serving Central Texas — Allstate, State Farm, USAA, Liberty Mutual, Progressive, Farmers, Nationwide, and others. The process varies slightly by carrier but the documentation standards are similar across the board.

Question 7

What if the damage is older — can I still file?

Accepted Answer

It depends on when you first noticed it and your policy's filing window (often 1 year from the damage event). Call us — we'll assess whether the damage pattern supports a recent-event claim or whether filing wouldn't succeed.

Question 8

Do you file the claim for me?

Accepted Answer

No — the claim must be filed by the policyholder (you). But we'll prep all the documentation and walk you through exactly what to say when you call. Insurance companies have restrictions on contractors filing on behalf of homeowners in Texas.

Question 9

What's the difference between ACV and RCV?

Accepted Answer

ACV (Actual Cash Value) pays what the roof is worth today after depreciation. RCV (Replacement Cost Value) pays what it costs to replace. Texas policies commonly pay ACV upfront and Recoverable Depreciation after you prove the work was completed. We'll help you claim the full RCV by providing completion documentation.

Question 10

Can you help with a supplemental claim if the adjuster missed damage?

Accepted Answer

Yes. If we find additional damage during tear-off that wasn't included in the original approved scope, we document it and submit a supplemental claim to your carrier. This is common — adjusters often miss damage that's only visible once the old roof comes off.

Roof insurance claims, done right.

Free insurance-claim inspection.

From damage to done.

Free Damage Inspection

Documented Evidence Package

On-Site Adjuster Meeting

Approved Scope of Work

Quality Installation

Every policy is different. These patterns hold.

Insurance claim questions, answered.

Storm damage? Free inspection + claim documentation.