New Braunfels · Comal County · Insurance
This is the New Braunfels page for roof insurance claim help. The short version: you want to understand whether they have a claim and to not get steamrolled by the adjuster, and you can have it without a salesperson at the door.
Get a written quoteA Class 4 impact-rated shingle is the baseline here, not an upgrade — most carriers discount for it and some are starting to require it on replacements. 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. Decade built, number of previous roofs, and any additions all move the number here, which is why a quote starts with a short conversation about the home's history.
What it costs in New Braunfels: there is no fee to the homeowner for inspection and claim documentation — the roofer is paid from the approved claim, and your out-of-pocket is the deductible.
Texas hail claims typically follow a replacement-cost policy, but many carriers have moved to a roof surface payment schedule that depreciates by age — check your declarations page for 'RSPS' or 'ACV roof' language.
How it works
A request for additional payment when the adjuster's scope missed items — code upgrades, drip edge, ice-and-water shield, or damage found once the roof is opened up. Common and legitimate.
Roofer. An inspection before you file tells you whether there's enough damage to exceed the deductible and gives you photo evidence dated before the adjuster's visit.
Texas hail claims typically follow a replacement-cost policy, but many carriers have moved to a roof surface payment schedule that depreciates by age — check your declarations page for 'RSPS' or 'ACV roof' language. New Braunfels is inside the everyday service radius, so there's no travel surcharge and no "we'll be in the area next month."