Insurance Claims for Roof Damage

Roof Storm Damage Insurance Claims

What most homeowners don't realize is that filing insurance claims does not impact premiums - insurance rates are completely unaffected.   Home insurance companies cannot charge more on claims for damage from natural causes, which includes weather.  Therefore, it is in every homeowner's best interest to have their property inspected for storm damage on their roof so that any repairs needed would be covered by the insurance company. 

Damage claims should be filed within a year of a major storm.  After a year passes from said storm, insurance companies will not honor the claims.  This is why it's important to have roof inspections as soon as possible after any major storm. 

What's unfortunate about this process is that insurance companies usually deny claims made by homeowners.  Insurance companies will send out an adjuster to review any damage, and without a third-party to verify, will often overlook the damage and deny the claim.  Without much knowledge on the topic, homeowners have no recourse.  This is where we come in. 

Keeping Insurance Companies Honest

We specialize in working with insurance companies to ensure that no step in the process is overlooked.  We will be present at the site with the adjuster, and often times identify damage that the adjuster doesn't.  With the erratic weather in Houston, adjusters tend to perform the inspections quickly.  Imagine being on the roof in hot and humid conditions - trust us, we do it all the time!  There is very little incentive to do a very thorough inspection.

However, insurance companies lose money when they have to pay out claims, so it's in their best interest to get through their inspections as fast as possible, which can lead to glossing over any damage.  While this certainly isn't always the case, we always recommend having a third party (like a roofing contractor) present during the adjuster's inspections, especially if the company is offering free inspections (*hint hint*).

Roof Insurance Claims in League City, TX

We assist with roof storm damage insurance claims to the greater Houston area as well, including (but not limited to):

• Bay Area
• Clear Lake
• Deer Park
• Friendswood
• League City
• Pasadena
• Pearland
• South Houston
• Webster

Call us today to see if we're servicing in your area.