Tobin Hill · San Antonio · Insurance
Tobin Hill roof insurance claims: inspection, documentation, adjuster meeting, and supplements — from a roofer who does this weekly.
Get a written quoteClaims on older roofs turn on the wear-versus-damage distinction, and the best evidence is an inspection report dated before the storm — or a very careful one dated right after. Code-upgrade coverage (ordinance-or-law) matters most on historic homes, where bringing the roof to current code adds real cost the base claim won't cover.
Ordinance-or-law coverage is where the money is on an older home; bringing the roof to current code costs real money the base claim won't cover.
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.
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How it works
Claims on older roofs turn on the wear-versus-damage distinction, and the best evidence is an inspection report dated before the storm — or a very careful one dated right after. Code-upgrade coverage (ordinance-or-law) matters most on historic homes, where bringing the roof to current code adds real cost the base claim won't cover.
From aerial measurement of your specific roof, the home's age (built before 1980), and what you tell us. It's a number for your house, not an average for the neighborhood.
The carrier's adjuster inspects the roof and writes a scope. Having your roofer present means damage doesn't get missed and the scope is argued on the spot rather than by letter later.