Supporting You Through the Roofing Insurance Claim Process
Dealing with roof damage from a storm? Navigating an insurance claim can feel overwhelming. At The Woodlands Roof Guys, we simplify the process by connecting you with trusted, experienced local roofing professionals who can guide you through inspections, documentation, and repairs.
The Woodlands Roof Guys is not a licensed public adjuster. We do not negotiate or settle claims. Our role is to refer you to independent contractors who can assist with inspections and be present during insurance adjuster visits.
Step 1: Schedule a Roof Inspection
Before contacting your insurance provider, confirm there is qualifying storm damage.
- Book a Free Roof Inspection with a contractor from our referral network.
- They’ll assess wind, hail, and storm-related damage, including missing shingles or leaks.
- You’ll receive a detailed damage report to help support your claim.
Step 2: File Your Insurance Claim
Once damage is verified, file a claim directly with your insurer.
- Contact the claims department of your insurance company.
The assigned claim number will be used throughout your case.
Step 3: Insurance Adjuster Appointment
Your insurer will send an adjuster to inspect the roof.
- Expect contact within 48 hours to set an appointment.
- Inform your contractor of the scheduled visit so they can be present.
Step 4: Review the Insurance Estimate
Your insurer will provide a document outlining the Scope of Work, including:
- Repairs and replacements covered
- Your deductible amount
- Depreciation values (if applicable)
Next Steps:
- Share the estimate with your contractor.
- They will confirm whether the scope covers all required repairs.
- If anything is missing, they can assist in requesting supplemental coverage.
Step 5: Roof Work & Payment Process
Most insurance claims are paid in stages:
Initial Payment (Actual Cash Value)
- Issued soon after approval.
- Covers the roof’s depreciated value.
Roof Replacement Begins
- Contractor schedules your roofing project.
- You pay your deductible as required by your policy.
Final Payment (Depreciation & Balance)
- If your policy includes Recoverable Depreciation, the balance is released after work is completed.
- The contractor submits a final invoice to ensure full reimbursement.
- You submit the last payment upon project completion.
Why Use a Contractor Referred by The Woodlands Roof Guys?
Complimentary Roof Inspections –
Receive a comprehensive evaluation of storm-related damage.
Insurance Support –
Contractors help explain your estimate and walk you through the claims process.
Fully Licensed & Insured –
All work is performed in compliance with local and state regulations.
Smooth Coordination –
Contractors work directly with adjusters to streamline claim approvals.
Top-Tier Craftsmanship –
Every roofing project is completed to meet or exceed industry and manufacturer standards.
Frequently Asked Questions (FAQs)
Will my insurance premium increase if I file a claim?
Most providers do not raise rates for weather-related claims, but it’s best to check with your insurer.
How long does the process take?
Typically, 2 to 4 weeks, depending on claim complexity and adjuster availability.
Do I need to get multiple quotes?
Not usually. Insurance companies issue a payout based on their assessment. If it’s too low, your contractor may help request a supplement.
What if my claim is denied?
You have the right to request a reinspection. Your contractor can help provide additional documentation to support your case.
Ready to Get Started?
Don’t let roof damage worsen. If you’ve experienced storm-related issues, let us help you connect with a professional contractor to assess the damage and begin the insurance process.
