Storm and insurance. Clear next steps.
A plain-language guide to the typical process. Your insurer determines coverage and payment.
Insurance support
Storm and insurance support.
A plain-language guide to the typical process. Your insurer determines coverage and payment.
After the storm, get clarity.
Assess.
We look over the visible roof conditions and tell you plainly what we find.
Document.
Storm-related concerns are recorded, so you have a clear picture of what the roof needs.
Protect.
Temporary protection can limit further water entry. Weather, safe access and demand affect timing.
Plan.
Repair, replacement or an insurer-approved scope, explained step by step.
We are not public adjusters, we do not waive or absorb deductibles, we do not guarantee claim approval; your insurer decides coverage.
What we look for
What storm damage can look like.
Some signs are easy to spot from the ground. Many are not.
Hail
Hail can bruise or crack shingles, knock granules loose, and dent flashing, vents, and other metal components. Some marks are obvious. Others take a close look at the roof surface to find.
Wind
Wind can lift, crease, or tear shingles and open gaps at edges and transitions where water can get in. Damage is often worse on the slopes facing the storm and where wind catches the roof.
Everything else
Storms can also damage gutters, gutter screens, skylights, and soft metals. Water stains inside your home often appear days later, because water can travel before it becomes visible.
We document what we can see during an inspection with photographs. Your insurance company determines what it will cover.
The process
The six-stage process
Every claim is different, but most follow a similar path. Here is what to expect, and where we help along the way.
Inspect and document
We inspect the roof and document visible storm damage with photos.
File the claim
You, the policyholder, file the claim with your insurance company.
Insurer inspection
Your insurer sends an adjuster to assess the damage.
Review the scope
We help you understand the approved scope of work.
Complete construction
We build to the approved scope.
Submit proof
Completion documentation is provided so recoverable depreciation can be requested.
If you file a claim, we can share our photographs and documentation with you to use during the insurer's inspection, and review the approved scope with you once your insurer issues it.
Your options
Repair it, or file a claim?
Not every damaged roof needs an insurance claim.
A direct repair
For minor damage, or for issues unrelated to a storm, a direct repair is often the simplest path. We inspect the roof, explain what we found, and give you a written recommendation with a clear price. No claim, no paperwork beyond the repair itself.
Filing a claim
If the damage is significant, filing a claim may be appropriate. Based on your roof's condition, available storm data, and documented evidence, we'll give you an honest recommendation before you decide anything. The choice, and the coverage decision, stay with you and your insurer.
However you move forward, the inspection and the recommendation come first.
Your estimate
Reading the numbers
Insurance paperwork has its own vocabulary. These are the terms you will see most often.
- RCV
- The cost to replace with new materials of like kind and quality.
- ACV
- RCV minus depreciation for age and wear.
- Recoverable depreciation
- Withheld amount that may be released after work is completed, per your policy.
- Deductible
- Your share, paid by you. We never waive or absorb deductibles.
- Scope of work
- The line-item list of work your insurer approves, including the materials and quantities it will pay for.
- Supplement
- A documented request to add work to an approved scope when the approved amount doesn't cover what the roof actually needs.
Every carrier writes its estimates a little differently. Before work begins, we review the approved scope with you line by line, so you know exactly what is included and why.
Questions
Straight answers.
Are you public adjusters?
No. Texas RoofCrafters provides documentation and construction support, not public adjusting services.
Can you waive my deductible?
No. We do not waive or absorb insurance deductibles.
Can you guarantee claim approval?
No. Coverage and approval decisions belong to your insurer.
What roofing scope can you review, and is claim approval guaranteed?
We review the roofing work included in the insurer-approved construction scope. No claim approval is guaranteed; coverage and approval decisions belong to your insurer.
How does construction support proceed?
We inspect and document visible roof conditions, discuss the construction scope provided through the claim process, then plan and perform the agreed work with clear communication.
Do I need damage visible from the street?
No. Some roof damage is not easily seen from the ground. An inspection can help clarify the condition.
Let us look at your roof.
The inspection is free, and it starts with what you have noticed.