Texas insurers process more roof claims than any other state. The system is well-developed but requires careful navigation.
Texas insurers process more roof claims than any other state. The system is well-developed but requires careful navigation.
Before You File
Get a pre-claim inspection from a GAF-certified or HAAG-certified contractor. Document damage with photos, video, and a written scope.
Filing
Call your carrier's claims line. They assign a claim number and schedule an adjuster within 7-14 days.
The Adjuster Visit
Have your contractor attend. Disputes happen here. The contractor documents what the adjuster missed.
The Estimate
The carrier estimate often misses code-required scope items (ridge vent, drip edge, ice and water shield in valleys). Your contractor submits a supplement.
The Settlement
Insurance pays Actual Cash Value (ACV) upfront, with depreciation released after work completes. Your contractor handles depreciation paperwork.