Kirby · Bexar County · Insurance
This is the Kirby page for denied roof claim help. The short version: you want a second opinion after the carrier said no or paid too little, and you can have it without a salesperson at the door.
Get a written quoteOlder homes have older electrical and plumbing penetrations through the roof; replacing the boots and flashings on all of them is cheap during a re-roof and expensive later. Lower pitches on mid-century homes rule out some products and make ice-and-water shield in the valleys non-negotiable. This is the heart of the I-35 hail corridor, where golf-ball hail arrives most springs and bruises roofs that were fine the year before.
On cost: reinspection is free from our partners; if the dispute escalates to appraisal or a public adjuster, those are paid from the recovery, not up front.
Your carrier has a set period to acknowledge, investigate, and pay a claim under the Texas Prompt Payment of Claims Act, and a contractor who documents damage well makes that clock work in your favor.
How it works
A process in most policies where you and the carrier each hire an appraiser and a neutral umpire settles the difference. It's faster and cheaper than litigation, and roofers can't do it for you — a public adjuster or appraiser can.
For a large disputed claim, often yes. They take a percentage of the recovery. For a straightforward claim with clear damage, a good roofer's documentation is usually enough.
Your carrier has a set period to acknowledge, investigate, and pay a claim under the Texas Prompt Payment of Claims Act, and a contractor who documents damage well makes that clock work in your favor. Kirby is inside the everyday service radius, so there's no travel surcharge and no "we'll be in the area next month."