Texas · Insurance
Documentation, adjuster meeting, supplements. Most people searching this want to understand whether they have a claim and to not get steamrolled by the adjuster — that's what you'll get, in writing, from a vetted, insured Central Texas roofing contractor.
Get a written quotethere 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.
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.
You never have to sign a contract with a roofer to get an inspection or to file a claim. Any roofer who says otherwise is the reason this site exists.
Roofers cannot legally pay or waive your deductible in Texas — a 'free roof' pitch is a fraud red flag, not a deal.
How it works
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.
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.
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.
In 13 counties and 99 cities and communities — every area listed below. If yours isn't there, send the address anyway; the partner's service radius is wider than the page list.