Filing a roofing insurance claim can feel overwhelming, especially when you are already dealing with the stress of storm damage. This guide walks you through the process in plain language.
Who handles the claim? Your homeowner's insurance company handles the claim. You file the claim with them, they send an adjuster to evaluate the damage, and they determine the payout based on your policy terms. A licensed roofing contractor can help you prepare for and participate in the adjuster's visit.
What your policy likely covers: - Wind and hail damage (usually covered under a separate deductible) - Damage from falling trees or branches - Ice dam damage - Fire damage
What is typically not covered: - Normal wear and tear (age-related deterioration) - Pre-existing damage noted at the time the policy was issued - Lack of maintenance (e.g., gutters clogged for years leading to water damage)
The claim timeline: 1. Storm occurs → inspect within 1–2 weeks 2. File claim with insurance → adjuster scheduled (typically 1–3 weeks) 3. Adjuster visit → estimate issued (1–2 weeks) 4. Review estimate with your contractor → negotiate if items are missing 5. Claim approved → work scheduled → complete in 1–3 days 6. Final inspection → insurance releases any depreciation holdback
Actual Cash Value (ACV) vs. Replacement Cost Value (RCV): ACV policies deduct depreciation—meaning a 15-year-old roof may only pay out a fraction of replacement cost. RCV policies pay the full replacement cost once work is complete. Review your policy before filing.
Red flags to avoid: - Contractors who offer to "waive your deductible"—this is insurance fraud in Texas - Storm chasers who show up door-to-door after a storm with high-pressure tactics - Any contractor who asks you to sign over your Assignment of Benefits (AOB) before work begins
PCG Contractors assists homeowners throughout the claim process. We attend the adjuster inspection, review the estimate, and work within the approved scope. Your out-of-pocket costs depend on your policy, deductible, and coverage decisions from your carrier.