FAQ’s

The best way to find out what you need is to reach out to us for a free roof inspection. We can help guide your decision as to whether a simple repair or a full roof replacement is your best option.

In most cases, if the damage was caused by a storm, your insurance will pay for it (minus your deductible). This is exactly why you should contact a qualified home restoration company if you suspect storm damage, so a professional assessment can be done.
You should have an advocate in this process, as your insurance company’s interest do not fully align with your interests. You should also beware of some home restoration contractors who either don’t understand the insurance claims process fully, or who are unscrupulous about insurance claims.

Our insurance and damage consultations are 100% free. If you are concerned about the age of your roof or are seeing leaks or other problems, please don’t hesitate to reach out to us for a completely honest and professional assessment.

Yes, you can apply with financing through our lending partners. We make it fast and easy to apply, and approval is typically lightning fast. There is no obligation – you can explore your options. For more information, please contact a Claims Specialist at claims@texaswindstrmrestoration.com

No, in the insurance world there will always be someone at fault, that is why they raise insurance rates to bad drivers, who can the insurance blame for damaging your roof? Your rates will go up along with everyone else’s when ever they choose to raise them but not for filing a claim.

There are two main types of insurance policies that function differently. Under an actual cash value (ACV) policy, your roof depreciates annually for ten years. If your roof sustains damage in that time, you will receive a check for the depreciated value. If you have a replacement cost (RCV) policy, the insurance carrier will cover the total roof replacement cost. However, the homeowner is responsible for any deductible. You need to check with your insurance company to identify what type of insurance policy you have.

There are essentially two ways you can challenge a roofing insurance claim denial. First, you can hire a public insurance adjuster to assess the roof and file a statement. The second option you have is to hire an attorney and file a claim or lawsuit against the insurance company. Either option does not guarantee that the insurance company will reverse its decision, but it may give you greater leverage when you appeal.

No. Your deductible always comes first. You only save your insurance company money by choosing a cheap contractor. When you submit an invoice that is lower than what the adjuster calculated, this will lower the amount of depreciation you will later be paid.

Yes, we’re a full restoration company and can repair any damages caused by storms, that includes but is not limited to roofing, framing, drywall, windows, flooring any anything else caused by storm or water damage.

Many of the roof replacement projects we take on are completed within just one day. Occasionally, weather conditions or other delays may require us to need more time, and if this happens, we will always make sure to keep you updated.

Most homeowner property policies cover full replacement value. The first check the insurance company gives you is the Actual Cost Value (ACV); what the roof cost to be replaced or repaired today after deducting for your roofs age, just like your car is worth less now than the day you bought it. The money withheld is called the depreciation, or technically, the Replacement Cost Value (RCV) and will be paid to you when the work is completed or, most times, upon the submission of a signed contract with a licensed contractor for the work specified in the insurance adjusters repair estimate.

There are three reasons that the insurance companies hold some money back.

1. To make sure that you get the work done. Past experience has shown them that, if they give the customer all the money up front, some people end up spending it on something else.

2. They want to make sure that you pay your full deductible and repair your property.

3. And finally, if the restoration work cost you less than the adjuster’s estimated the insurance company will pay you based on that lower sum. That saves the insurance company money. But to get a roof replaced for less than the adjuster estimated means that contractor is probably going to cut corners somewhere on your roof installation. You should choose to buy as good of a roof as the insurance has agreed to allow for with their estimate. Legally you have to pay the deductible either way. Go ahead and get the best roof you can.

Often this is because of something the insurance adjuster missed in the scope of work to be completed. We can almost always work something out with the insurance company. We will submit what is called a ‘supplement’ with documentation in the form of pictures, measurements and paperwork. The insurance company will review the supplement and upon approval, send an additional check or include the additional sum in the second check, for those extra costs needed to complete the required repairs. The additional costs are borne by the insurance company, not the homeowner. The homeowner only ever pays the deductible.