Insurance claim FAQs

You do. Texas Insurance Code §4102.163 forbids a roofing contractor from acting as, or advertising as, a public adjuster for a property it may work on, and that includes negotiating a settlement or filing on your behalf. Anyone offering to "handle the claim for you" is either telling you they will break that rule or telling you they do not know it exists.

We inspect and document. Every slope is walked and photographed, the damage is marked and dated, and the measurements are taken from the roof rather than from an aerial image. If you invite us, we meet your adjuster on the roof and show them what we found. When the approved scope comes back short of what the roof needs, we supplement it with the evidence rather than with an argument.

Usually, yes. Filing on a roof that will not total can leave you with a claim on your record and no new roof, and you cannot know which it is until somebody has been up there. The inspection and the report cost nothing, and you keep the report whether or not you file and whether or not you hire us.

No. The climb, the photographs and the written report are free, and you keep the report whether or not you file anything and whether or not you hire us. If the roof came through intact, that is what the report says — a useful document to have on file the next time hail comes through.

No, and neither can anyone else. HB 2102, effective 1 September 2019, makes it a criminal offence in Texas for a contractor to waive or absorb a policyholder deductible. It is not a discount somebody can choose to give you. An offer to "make the deductible disappear" is the clearest single signal you will get about how a company works.

A reason to look, not a conclusion. Hail falls in narrow, uneven paths — a street can be hit on one side and untouched on the other. The only way to know is for somebody to get on your roof.

That is common, and it is usually a scope question rather than a dispute. Something is missing from the estimate — a layer of decking, the drip edge, the ridge vent, the correct number of squares. We supplement with the photographs and the measurements that show it, and the carrier decides. We do not promise an outcome, because the outcome is not ours to give.

No. We are a local company and our crews are the same people between storms. If someone appears on your porch hours after a hailstorm with an out-of-state plate and a contract already filled in, that is a different business model. Read any contract indoors, away from the person who handed it to you.