Insurance Claims - FAQs

  • A: Yes. We regularly assist homeowners through the insurance claims process. While we are not public adjusters or insurance agents, we can help document damages, meet with adjusters, and provide estimates and reports to support your claim.

  • A: Start by scheduling a professional inspection. We’ll assess your roof and exterior for storm-related damage and provide a detailed inspection report, including photos. If damage is found, you can use this report to initiate your claim.

  • A: We recommend having us perform a free inspection first. This ensures there is qualifying damage before opening a claim—helping you avoid unnecessary filings that may affect your premiums.

  • A: Absolutely. We coordinate with your insurance adjuster to ensure your damages are properly identified and documented. Our presence helps ensure nothing is overlooked during the adjustment because two sets of eyes are better than one.

  • A: It’s common for initial insurance estimates to miss items. We’ll review the scope of loss and, if needed, submit a supplement with documentation to request additional funds for overlooked or underpaid repairs.

  • A: A supplement is a request to your insurance company for additional funds to cover legitimate, necessary repairs that weren’t included in the original estimate. This often includes code upgrades, hidden damage, or missed items.

  • A: If your claim is denied but damage is present, we can help you understand your options, including reinspection or referral to public adjusters or attorneys if appropriate. We’re happy to support you with documentation at every step.

  • A: Yes. Texas law (per HB2102) requires homeowners to pay their deductible. Any contractor who offers to waive or absorb it is violating the law and could jeopardize your claim.

  • A: We provide a professional inspection report consisting of photos, building code documentation, scope of work, and any supplement requests needed. Our reports are formatted to be shared with insurance companies, attorneys, and public adjusters.