Guides

Read this before you sign anything

• Both states

  Call the roofer or the insurance company first?

  The order matters more than people think. Here's the sequence that protects your claim and your record.
• Florida

  The hurricane deductible, explained with real math

  Why a hurricane claim and a wind claim on the same roof can pay out thousands of dollars apart.
• Florida

  Florida roof age and your insurance: what's actually true in 2026

  The 15-year rule, the five-years-remaining inspection, and the ACV roof endorsement — sorted out.
• Texas

  How adjusters count hail damage in Texas

  Test squares, the 8-hit threshold, and why your roofer's count should exist before the adjuster's does.
• Texas

  The roof surface payment schedule on your Texas policy

  The endorsement quietly moving Texas roof claims from replacement cost to depreciated value.
• Both states

  Nine signs the roofer at your door is a storm chaser

  Out-of-state plates are only the most obvious one.