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Insurance Information

Restorations for Roof Insurance Claims

Our Team Works with Major Insurance Companies Every Single Day.

Insurance claims can leave homeowners feeling overwhelmed and uncertain about what to do next. At Elevated Roofing, we make it our mission to provide support and guidance to navigate the process with ease.

Our team works with major insurance companies every day and is equipped to assist in every aspect of your roof insurance claim. We understand the complexities involved and dedicate ourselves to providing the professional and informative service you deserve.

Related: Disaster Recovery Guide

Insurance with Elevated Roofing

Get Help With Your Roof Insurance Claim

Unfortunately, insurance companies may not always want to cover damage or may only offer a small amount to fix the problem. This is where working with an experienced roofing contractor like Elevated Roofing can make all the difference.

With our expertise, you can ensure that you’re getting the most out of your roof insurance claim. In fact, Elevated Roofing’s clients usually only pay for their deductible after hailstorms and receive new roofs, windows, gutters, fence stains, and more. Here are some of our biggest tips for making sure your roof insurance claim doesn’t go to waste.

Don't Wait Until It's Too Late

Free No Obligation Roof Inspection

Get Help With Your Claim

Tips to Maximize Your Roof Insurance Claim

1. Be Prepared When You Call for a Roof Insurance Claim

When you call your insurance company, have a few things handy:

  • Policy number
  • Date of loss
  • Type of loss
  • Copy of your policy

The Texas Department of Insurance recommends having your roofing contractor present when the insurance adjustor inspects your house and roof for a claim. After big storms, insurance investigators are busy and could accidentally overlook an important detail in your claim.

Related: Best Homeowner’s Insurance In Dallas

2. An Adjuster’s Settlement Isn’t Always Final

After completing the assessment, the adjuster gives the homeowners a plan for handling the claim. This isn’t a conclusive settlement. If there’s a significant discrepancy from what your contractor recommended and what your insurance approved, a counter proposal needs to be put forward, or a re-inspection requested. We can provide more proof to help you get the repairs or replacement you deserve.

Related: Insurance Claims Process

3. Cheaper Isn’t Always Better

Sometimes, insurance companies will ask you to get multiple roof repair or replacement estimates. Though some contractors will do work for less than the fair market price, it is not in your best interest to select one of these lower estimates. If it seems to good to be true, it probably is. Lower estimates often means the roofing company is cutting corners to make a profit.

You’re not saving money by accepting a lower-than-market-value bid, you’re saving your insurance company money. But when there’s a problem with your roof due to poor craftmanship and cutting corners, you will likely be liable for paying for repairs, not your insurance company. It’s in your best interest to select a reliable roofing company with fair market prices.

Texas Insurance Carriers:

Allied – 800-282-1446
Allstate – 800-54-STORM
American Family – 800-374-1111
Amica – 800-24-AMICA
Anpac – 800-333-2860
Auto Owners – 888-CLAIM-AO
Encompass – 800-588-7400
Farmers – 800-435-7764

Hartford – 800-243-5860
Liberty Mutual – 800-2CLAIMS
Nationwide – 800-421-3535
Safeco – 800-332-3226
State Farm – 800-SF-CLAIM
Travelers – 800-CLAIM33
USAA – 800-531-8222

Don't Wait Until It's Too Late

Free No Obligation Roof Inspection

Roof Insurance Claim FAQs

Check out these commonly asked questions about roof insurance claims. If you don’t see your question here, please call our office and we’ll find you the answers you need.

If you’re facing a denied roof insurance claim, don’t despair just yet. Insurance companies can make mistakes or need additional evidence to approve a claim.

That’s where we come in. We can provide the necessary documentation and support to bolster your claim and increase your chances of success.

It’s also crucial to understand the details of what’s included in your policy; that way, you can make a more informed case to your insurance provider.

In general, if the damage is caused by a sudden and accidental occurrence, it may be eligible for coverage. Your policy can potentially cover hail, wind, leaks, storms, and other kinds of damage. Insurance companies and policies vary, so check your policy to see what is covered.

Your insurance company can’t cancel or increase rates for filing a claim on your homeowner’s policy. If you have a good claims history and no other issues with your insurance policy, filing a roofing claim should not affect your rates or renewal terms.

Related: Texas Roof Insurance Claim Deductible FAQs

It depends on the extent of the damage, your insurance policy, and the recommendations of a professional roofing contractor. Often, hail damage requires a full roof replacement due to hail repeatedly hitting all areas of your roof.

If your roofing system has sustained significant damage, it’s best to opt for a full roof replacement rather than just repairs to ensure that your home remains safe and secure for years to come.

According to the laws in Texas, it is illegal for a roofing company to waive or cover a deductible. Any roofing company that offers to waive your deductible could potentially be committing insurance fraud. Your deductible is your responsibility.

Unfortunately, despite being illegal, many roofing contractors still offer this to try and win more business. It’s important to hire a reliable roofing company that knows the rules about roof insurance claims in Texas. They will work with your insurance company to make sure your claim is done correctly and ethically.

Schedule a Free Roof Inspection For Your Roof Insurance Claim

At Elevated Roofing, we want to make sure you receive the best possible outcome when filing a roof insurance claim. We suggest having us there when you meet the claim adjuster to address any differences. Our team of experts will provide accurate and thorough photo evidence to support your claim.

We understand that storm damage can be stressful and overwhelming, which is why we’re committed to making the insurance process as easy as possible for you. With our professional and confident support, you can trust that your roof is in the right hands. Contact us today to get started.

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