Question 1

Do I call my insurer or a roofer first?

Accepted Answer

Photograph the damage, then have the roof inspected before you file. The inspection tells you whether there's enough damage to be worth a claim, and it costs nothing.

Question 2

What will I pay if insurance covers the roof?

Accepted Answer

Usually your deductible, plus anything you add that the policy doesn't cover. In Texas, hail often carries its own deductible, worked out from the home's insured value: 2% of $200,000 is $4,000. If your policy pays only actual cash value, you also pay the amount it takes off for the old roof's age.

Question 3

Is my roof damaged if it isn't leaking?

Accepted Answer

It can be. Hail bruises and cracks shingles without making a hole, and the leak can come months later. An inspection tells you.

Question 4

The adjuster says no damage and the roofer says damage. Now what?

Accepted Answer

Ask your insurer to inspect again. If you still disagree, most Texas policies let you ask for an appraisal, where each side picks someone to value the damage, and you can complain to the Texas Department of Insurance.

Question 5

How far do you go?

Accepted Answer

Wichita Falls, Burkburnett, Iowa Park and the towns around them, as far as Vernon, Seymour, Olney, Graham, Jacksboro and Bowie. Farther than that, call and ask.

Get your roof inspected free