After a storm
After a storm: what to do, and what we will not do
Texas has rules for roofers when insurance is involved. We follow them, and we say so in both languages.
We inspect, photograph and write an itemized estimate. The claim stays yours.
The first 48 hours
Four things you can do right now
- 01
Step 1: Stay safe
Stay off the roof. Watch for power lines and for wet floors under leaks.
- 02
Step 2: Photograph from the ground
Photograph the damage and note the date. Do not climb up to do it.
- 03
Step 3: Call your insurer yourself
You decide whether to file, and you speak with your insurer. Ask what your wind and hail deductible is.
- 04
Step 4: Keep repairs temporary
Until the adjuster has seen the roof, use only a tarp or a temporary patch. Keep receipts and photos.
Texas rules
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 doFile it, negotiate 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 inside a discount | What we doTell you in writing that it stays yours |
| The adjuster | What we never doSpeak to the insurer for you, or negotiate your claim | What we doMeet yours at the roof, if you ask us to |
| First repairs | What we never doStart a full replacement before the adjuster looks | What we doA tarp or temporary patch, with photos |
| The contract | What we never doRush you to sign on the doorstep | What we doCarry the notice Texas requires when a claim is paying |
The Valley roof year
When to look at your roof
Spring
Wind and hail storms can come. After one, look from the ground for loose tile and bent flashing.
June to November
Hurricane season, with the busiest weeks from August into September. Before June, check flashing, loose tile and clogged gutters.
Fall and winter
The drier months. A good time to book a replacement before the next season.
Dates are a guide and vary by year.
Notice to homeowners
English
Texas law bars a contractor from paying, waiving or absorbing your insurance deductible. Texas law also bars a contractor from acting as your public adjuster. You decide whether to file a claim, and you deal with your insurer. This notice is general information and not legal advice.
Español
La ley de Texas prohíbe que un contratista pague, perdone o absorba su deducible del seguro. La ley de Texas también prohíbe que un contratista actúe como su ajustador público. Usted decide si presenta un reclamo y usted trata con su aseguradora. Este aviso es información general y no asesoría legal.
Questions
About storms and insurance
Will my insurance pay for a new roof?
That is between you and your insurer, and policies differ. Many have a separate wind and hail deductible, so ask yours. We can inspect, photograph and write an itemized estimate for you to share. We never promise what an insurer will pay.
Will you meet my insurance adjuster?
If you ask us to, yes. We can be at the roof when the adjuster visits and show what we photographed. We do not negotiate your claim.
Does hail always mean a new roof?
No. Often the damage is a few tiles or shingles, and we say so. We write down what we find, with photos, and you decide.
How do I tell a local roofer from a storm chaser?
Look for an address in the Valley you can visit, a phone that gets answered, a written contract and no pressure to sign the same day. Texas law bars roofers from paying, waiving or absorbing your deductible, so one who offers to is breaking it.
Want the roof looked at?
We will inspect it, take photos and write down what we find. What you do with it is up to you.