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Roof Insurance Claims – What you need to know!

Important Information

   As a homeowner in need of roof repair or replacement it is important that you select a trustworthy roofing company.  Texas weather often results in roof damages that are typically covered by most homeowners’ insurance policies.


   A quality roofing company should understand the insurance claims process and be able help you get the repairs that sometimes get overlooked by adjusters. T&L Roofing and Repair, Inc. can and should meet with your adjuster when they come to evaluate your claim to insure that all areas area covered.


  If you have recently filed a claim with your insurance company, received an insurance settlement, or would just like to know whether it makes sense to pursue an insurance claim, T&L Roofing and Repair, Inc. can help.




    First get a roof inspection from a reputable company. There should be no charge for this service and it will help you know whether your roof has damage before filing a claim with your insurance company.  Calling the insurance company before confirming damage will constitute a “claim” and will remain on your insurance records, even if a repair is not approved.


   Once you have confirmed damage has occurred, contact your insurance company. After first getting an inspection report identifying damage, you can file your claim on your homeowner’s policy with confidence. Your insurance company may ask you if your roof has already been inspected. Keep in mind, you can select any roofing company you want to complete the work. It is entirely your choice.


   Have your selected roofing company meet with the adjuster at the time of the insurance inspection to be sure all damage is seen. When the roofing contractor is present with the adjuster, they can first hand explain what they see needs to be done and more clearly outline your claim for the adjuster.  This also avoids any confusion and speeds up the claims progress.


   Schedule your roof replacement with your selected roofing company. Choose a quality roofing company to perform the work, making sure they are insured and bonded. This keeps all bids on a level playing field, knowing that part of the cost of the roof and the service being provided to you is protected with the security of coverage.  Use a contractor who offers you different shingle options and gives you all job details in writing including clean- up of your property when completed. A reputable company will not require money up front to do your roof.


   Beware of roofers offering to “cover” your deductible. Any contractor who claims they can handle the repair without having the homeowner pay their insurance deductible is committing insurance fraud and endangering the homeowner.


   One of the central rules in Texas is the illegality of someone offering to waive an insurance deductible. ... By waiving, a consumer doesn't have to pay a typical 1 percent deductible for a new roof — usually a few thousand dollars.  Tex. Bus. and Comm. Code § 27.02 holds that both the contractor and homeowner can be charged with a Class A misdemeanor which is punishable up to one (1) year imprisonment and fines up to $5,000 or alternatively under an Insurance Fraud claim § 35.02.  both the homeowner and contractor can be held liable for a State Jail Felony by confinement in a state jail for any term of not more than two years or less than 180 days and by a fine not to exceed $10,000. Alternatively, a homeowner’s failure to pay a deductible can be considered a breach of contract with the insurance company – regardless of whether it was facilitated by a contractor or not. This can result in the insurance company not being liable for any of the costs.


Steps in the Insurance Claim Process

  Choose a reputable contractor – don’t run the risk.

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