FAQ
We strive to be as transparent and upfront as possible, if any of your questions are not answered below, call us.
We are happy to provide clarity about any part of the roofing or claim process.
Do I really get a new roof with zero down?
Yes. With insurance restoration work, you typically pay no money upfront.
Your only out-of-pocket expense is your insurance deductible, which is required by Texas state law.
All other funds used to replace the roof come directly from your insurance company.
Why should I file a claim instead of paying out-of-pocket?
Because insurance claims are designed specifically for storm-related damage.
Paying $20,000–$50,000 out of pocket when you already pay monthly premiums makes no sense if the damage qualifies.
Filing a claim also offers benefits:
-Zero down except the deductible
-Full system replacement, not a patch job
-Higher-quality materials (impact shingles, synthetic felt, upgraded ventilation)
-Added home value and curb appeal
-Manufacturer warranties you don’t get with repair work
Will my insurance premium go up if I file?
No — not for storm damage.
Hail and wind are classified as Acts of God, meaning the claim cannot be held against you personally.
Everyone in your ZIP code is rated the same whether you file or not.
How often does insurance deny claims even when damage is clearly present?
More often than most people realize.
Insurance companies deny thousands of claims every year because:
-The adjuster overlooked damage
-The adjuster was inexperienced
-The carrier hoped the homeowner wouldn’t fight it
-They want additional documentation or measurements
-They classify damage as “cosmetic” to avoid paying
It is extremely common for roofs with legitimate storm damage to be denied on the first inspection.
However, we take denials and turn them into approvals which is why having a contractor work on your behalf is critical.
If my claim gets denied, does that mean I’m stuck paying out of pocket?
Absolutely not.
A denial is simply the first round — not a final decision.
We get claims overturned all the time.
Can my insurance company force me to use a specific roofer?
No.
You have full freedom of choice.
They may recommend someone, but they cannot require it.
In Texas, the homeowner has the unquestioned right to choose their contractor.
How long does the approval process take?
Timelines vary by company, but typical averages are:
Initial inspection to adjuster appointment: 3–7 days
Claim decision: 5–14 days
Reinspection or escalation (if needed): 7–21 days
Build scheduling: Within 1–7 days after approval
We handle all communication and updates for you.
What if my mortgage company is holding the first check?
This is normal. Mortgage companies hold funds to protect the asset.
We guide you step-by-step through the endorsement process so funds are released quickly.
How is the pricing determined for my roof?
Insurance companies use a program called Xactimate, which sets standardized pricing for:
-Materials
-Labor
-Disposal
-Accessories
-Regional market averages
This ensures the settlement covers everything needed to install your roof correctly.
What if the insurance company’s estimate is too low?
This is common.
We submit a supplement, which is simply a request for additional funds to cover:
-Code requirements
-Missing line items
-Upgraded materials
-Proper ventilation
-Flashing
-Steep or two-story charges
We handle all supplementing at no cost to you.
Do I need multiple estimates?
No.
Insurance is paying for the roof — not you.
Your responsibility is simply to choose a contractor who:
-Is certified
-Is insured
-Is reputable
-Handles the insurance process correctly
Multiple estimates only confuse the process and can cause delays.
How long does it take to install the roof?
Most roofs are completed in one day, occasionally two depending on size and complexity.
What happens after the roof is installed?
We handle:
-Final inspection
-Cleanup
-Supplement closeout
-Final invoicing
-Certificate of completion
-Collecting depreciation funds from the carrier
You get a fully documented file for your records.
What if more damage is discovered during the build?
We take photos and submit them to insurance for additional funds (called a supplement).
You are never surprised by hidden costs.
Why choose a contractor that specializes in insurance claims?
Because insurance claims are a technical, documentation-heavy process.
You want a contractor who:
-Knows the code
-Knows Xactimate
-Knows the carriers
-Knows how to walk reinspections
-Knows how to overturn denials
-Protects you from underfunded settlements
-This ensures you get the full value of your policy.
