Insurance Claims

Storm damage

Roof damage can occur in a matter of minutes during a wind or hail storm. High winds can lift the shingles and tear them away from the fasteners. This damages the shingles beyond repair. Hail can cause holes, cuts, and fractures in shingles that may lead to water penetration. Even the smallest indention from a hail strike can cause major problems.

Don’t assume your roof is fine after a storm simply because it appears intact. Most storm damage is not visible from the ground. Houston Roofing & Construction will provide a complimentary inspection to determine if your roof is still working properly and fully protecting your home.

Filing a claim

If your roof has sustained storm damage, the next step is to contact your insurance company. It is vital that you call the national catastrophe hotline for your insurance company and not your agent. Trying to file an insurance claim with your agent would be like going to a car dealership and trying to buy a car from a mechanic…it just doesn’t work that way.

Houston Roofing & Construction has the correct phone number you will need to file a claim. We can also walk you through the preliminary information your insurance company will require to complete the claim filing process.

Many people feel they might be punished by the insurance company for filing a claim; this is not the case. Your insurance company can neither drop your coverage nor raise your premium because you filed a claim.

Meeting your adjuster

Here’s the #1 tip we can provide you with: HAVE A CONTRACTOR PRESENT TO MEET YOU INSURANCE ADJUSTER!

Whether or not you select Houston Roofing & Construction, it is vital that you have a contractor present when your roof is inspected by the insurance adjuster. We have hundreds of satisfied customers who were originally “turned down”, or told their roof was in “good shape” by their insurance adjuster. It is not in the insurance company’s best interest to replace or repair your roof; this costs them money. Having a contractor present to assess the damage can make the difference in whether or not your claim is processed correctly.

No one can make an insurance adjuster approve repairs for damage that doesn’t exist.  However, the right contractor can point out damage that may go overlooked by an adjuster.

The Houston Roofing & Construction difference

If your claim is approved for repairs, then your next step is to select a contractor. This is the most important step in the process. Insurance restoration work requires a great deal of communication with your insurance company. The process is not easy, and a contractor who has not completed a restoration project can easily cost you money. Your insurance company needs the proper documentation to process the payments on the claim.

Beware of the “FREE ROOF” contractor. They could possibly expose you to insurance fraud and wire fraud!

Houston Roofing & Construction is a GAF Master Elite Contractor. Only 3% of all roofing contractors in The U.S. qualify for this distinction. This allows Houston Roofing & Construction to offer you extended warranties on labor and material that other companies cannot provide. One is the Weather Stopper Plus Warranty and the other is the Golden Pledge Warranty.