Insurance claims, without the runaround
A hail or wind claim can feel like the hardest part. We keep our side simple: a Haag Certified Inspector documents the damage with photos, and we meet your adjuster on the roof so everyone is looking at the same evidence. Your insurance company decides your coverage; we make sure the damage is documented the way they expect. For anything about your policy or payout, your insurer is the final word.
What a roofer can and can't do in Texas
Texas draws clear lines. Contractors can assess and document damage and meet your adjuster on site; they can't act as your public adjuster, and under Insurance Code Section 27.02 they can't waive or absorb your deductible, a Class B misdemeanor. We work inside those lines. Anyone who offers otherwise is telling you what kind of contractor they are.
Know your policy before the storm does
Two details decide most claims. First, whether your roof is covered at replacement cost (RCV), depreciated actual cash value (ACV), or on a payment schedule; on a 15-year-old roof, ACV can pay a fraction of replacement cost. Second, your wind and hail deductible, now commonly 1 to 2 percent of dwelling coverage, which is $8,000 on a $400,000 home at 2 percent. If the damage doesn't clear that number, filing helps no one, and we'll tell you so.
The clock your insurer is on
The Texas Prompt Payment of Claims Act sets deadlines: 15 days to acknowledge your claim after you file, 15 business days to accept or deny it once they have what they requested, and 5 business days to pay after accepting. TDI can extend those windows after a declared catastrophe. Knowing the clock keeps a slow claim from quietly stalling out.
From first photo to final shingle
We inspect, document, meet the adjuster, and complete the approved work to the manufacturer's spec, with a photo record at every step so nothing gets lost between the storm and the final shingle.
Before you file anything, get the damage documented and the deductible math done.
Get claim-ready documentationCan a roofer waive my deductible in Texas?
No. Offering to waive, rebate, or absorb a deductible is a criminal offense in Texas under Insurance Code Section 27.02, a Class B misdemeanor, and insurers can require proof the deductible was paid. A roofer who offers to "eat your deductible" is asking you to take part in insurance fraud, and it's the most reliable storm-chaser tell there is.
How we help
- Haag-certified damage documentation
- Adjuster meeting on site
- Scope-of-work review
- A straight answer when a claim isn't warranted
- Restoration completed to manufacturer spec
Towns we do this in
First claim ever? You're in good company: Cibolo and the I-35 corridor are full of first-time homeowners who've never filed hail paperwork. We'll walk you through the order of operations.
Also worth knowing
24/7 storm line
Storm damage doesn't keep business hours
Active leak, missing shingles, or fresh hail: call first, we answer around the clock and tarp before damage spreads.
Haag-certified damage documentation, insured, and we answer our own phone.