Storm work
Storm work, done honestly
Texas has rules for roofers when insurance is involved. We follow them, and we say so here.
We inspect, photograph and write an itemized estimate. What you do with it is your call. We are not public adjusters, we do not negotiate claims, and the deductible stays with you.
You decide whether to file a claim
You deal with your insurer
The deductible is yours to pay
We meet your adjuster if you ask
The first days
What to do after hail
None of this needs a roofer yet.
- 01
Step 1: Stay off the roof
Look from the yard. Watch for power lines and for wet floors under a leak.
- 02
Step 2: Photograph from the ground
Dents in vents and gutters, shingles with bare spots, ceiling stains. Note the date.
- 03
Step 3: Keep repairs temporary
A tarp over a leak is fine. Keep the receipts and the photos.
- 04
Step 4: Call your insurer yourself
You decide whether to file. Ask what your wind and hail deductible is, and whether it is a percentage of the house.
What we do, and what we never do
This is how we work on any job where an insurance claim is paying.
| What we never do | What we do | |
|---|---|---|
| Your claim | What we never doNegotiate it, or promise what the insurer will pay | What we doInspect, photograph and write an itemized estimate you can share |
| Your deductible | What we never doPay it, waive it or hide it in a discount | What we doTell you in writing that it stays yours |
| The adjuster | What we never doSpeak to your insurer in your place | What we doMeet yours at the house, if you ask us to |
| First repairs | What we never doStart a full replacement before the adjuster has looked | What we doA tarp or temporary patch, with photos |
| The door | What we never doKnock after a storm and ask for a signature | What we doWait for you to call us |
Texas law
Three rules that protect you
General information, not legal advice. If you have a question about a contract, ask a lawyer.
The deductible is yours
Texas bars a roofer from paying, waiving or absorbing it, and from advertising that they will. Anyone who offers is putting your contract at risk.
No public adjusting
A Texas roofer may not advertise to adjust your claim or act for you with your insurer, even with your permission.
A contract with the notice
When an insurance claim is paying for the work, our contract carries the written notice Texas requires. We go over it with you before you sign.
The season
When hail comes to the Panhandle
Spring
Storms start to build. Before the season, look at vents, flashing and gutters from the ground.
Late spring into summer
The stretch when hail is most common on the High Plains. After a storm, photograph and call.
Fall and winter
Quieter weather. A good time for a replacement you have been putting off.
Dates are a guide and change from year to year.
About storms and insurance
Will my insurance pay for a new roof?
That is between you and your insurer, and policies differ. Many Texas policies have a separate wind and hail deductible, so ask yours. Insurance pays for sudden damage, not for age or wear. We never say what an insurer will pay.
Will you meet my adjuster?
If you ask us to, yes. We can be at the house when the adjuster visits and show what we photographed. We do not negotiate for you.
How do I tell a local roofer from a storm chaser?
Look for a street address in town you can visit, a phone that gets answered, a written contract and no pressure to sign the same day. Ask for the registration number and look it up.
What is a Class 4 shingle?
Class 4 is the highest impact rating for a roofing product, from the UL 2218 test. It rates the shingle, not the contractor. Some insurers discount for it, and each company decides, so ask yours.
Can I cancel after I sign?
If you sign at home, you may have three business days to cancel. Your contract says how. Ask us to go over it before you sign.
Ready for a look at the roof?
Tell us the address and when the storm hit. We will call you to set a day.