Filing a claim is not always in your favor. Here is how to think about it before you call your insurer, from a roofer who will tell you not to file when you should not.
An insurance claim makes sense when a covered event, usually wind or hail, caused real, documented damage that meets or exceeds your deductible with room to spare. Filing for minor damage that barely clears your deductible can raise your premium and stay on your record for years, costing you more than it returns. We inspect and document first, and if there is not enough damage, we tell you not to file.
It is illegal in Texas for a contractor to pay, waive, or absorb your insurance deductible. Any roofer who offers to make your deductible disappear is breaking the law and showing you how they do business. We keep it honest, which protects you as much as us.
It can, especially for small claims. That is why we advise filing only when the documented damage clearly justifies it. We will tell you honestly if it does not.
Yes. When a claim is warranted, we provide photo documentation and meet the adjuster to make sure legitimate damage is fully accounted for.
No, and you should avoid any roofer who offers to. Covering or waiving a deductible is illegal in Texas.
Free inspection, same-day response, and a real recommendation from the company that lives down the road.