Roof Insurance Claims Guide for Austin Homeowners
Navigate the insurance claims process with confidence. Step-by-step guide to filing, documentation, and getting your roof claim approved.
What Does Homeowners Insurance Cover?
✓ Covered Damage
- • Hail damage
- • Wind damage (tornados, straight-line winds)
- • Falling tree or debris
- • Fire damage
- • Lightning strikes
✗ Not Covered
- • Normal wear and tear
- • Age-related deterioration
- • Poor maintenance
- • Cosmetic damage only
- • Pre-existing damage
Step-by-Step Claims Process
Step 1: Document the Damage
Take photos and videos of all visible damage. Note the date and time of the storm event.
Step 2: Call Your Insurance Company
Report the claim within 48-72 hours. Get your claim number and adjuster contact info.
Step 3: Get Professional Inspection
Have a licensed contractor inspect and document all damage before the adjuster arrives.
Step 4: Meet the Adjuster
Be present (or have your contractor present) when the insurance adjuster inspects your roof.
Step 5: Review the Estimate
Compare the adjuster's estimate with your contractor's. File a supplement if damage was missed.
Step 6: Approve and Schedule Work
Once approved, schedule your roof replacement and collect your deductible.
Common Claim Mistakes to Avoid
File within 1 year of the damage event in Texas
Insurance adjusters may miss hidden damage
Many initial estimates are too low
Know if you have percentage or flat deductible
How We Help with Claims
We've handled over 1,500 insurance claims for Austin homeowners. Our process ensures you get the full coverage you deserve:
- ✓Free damage assessment and documentation
- ✓Meet with adjuster on your behalf
- ✓File supplements for missed damage
- ✓Handle all paperwork and negotiations
- ✓You only pay your deductible
Need Help with Your Claim?
We handle everything from documentation to final payment. Free claim assistance.
Call (512) 555-0187