ServicesInsurance Claims
Roof Insurance Claims in Fort Worth, TX
Help with your roof insurance claim, from the free inspection to reviewing your settlement offer and presenting any missed items to your insurer.
Most home insurance policies cover sudden and accidental damage to your home. If your roof or exterior is damaged by hail, wind, water intrusion or fallen debris, your policy should cover the cost of repairing it to its pre-loss condition. However, insurance claims are not always simple.
Some policies reduce coverage based on the age of your roof. For example, a policy may pay the full replacement cost while the roof is less than 10 years old and only the depreciated value after that. We highly recommend that every home and business owner read and understand their policy before purchasing coverage.
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Our claim procedure has ten steps. We inspect your property at no cost, secure the structure and help you report the claim and list the damaged items. After the field adjuster visits and your insurer makes an initial settlement offer, we review that offer with you to see whether it includes all of the materials, labor and costs needed to repair your home.
If anything was missed, we help you present it to your insurer as a supplement. Once the approved scope is clear, we assemble the estimate and begin planning your project, including cost agreements, material selection, the timeline and a start date. Your deductible applies to every settlement.
Insurance Claims
Our Insurance Claim Procedure
- 01
Inspection After the Storm
A High Pointe representative performs a complete inspection of your property at no cost to you.
- 02
Secure the Structure
If there is a hole in your roof, broken glass or wind-damaged fencing, we secure your property and apply tarps or plastic coverings to reduce water damage.
- 03
Report the Claim
Contact your insurance company's claims department, and they will issue you a claim number. We can help you report the claim if you would like.
- 04
Record Damaged Items
We help you make a thorough list of damaged items, including personal property. Be sure to take photos.
- 05
Field Adjuster Visit
Your insurance company sends a field adjuster to make an initial determination of what your policy covers.
- 06
Initial Settlement Offer
Your insurer issues an initial settlement offer based on the adjuster's report. Your deductible always applies.
- 07
Compare the Offer
Compare the settlement offer with your list of damaged items and your photos to see whether anything was missed.
- 08
Go Over the Offer With Us
We review the offer with you to see whether it includes all of the materials, labor and costs needed for the repair.
- 09
Submit a Supplement
We help you present any missed items or inaccurate assessments to your insurer as a supplement.
- 10
Assemble the Estimate
Once you know the scope of work your insurance company has approved, we assemble an accurate estimate.
After these steps, we begin planning your project, including cost agreements, material selection, the timeline and a start date.
Warranties
Residential Roof Warranties
2years
Residential Workmanship
Covers repair or replacement of any installed roof component that fails because of improper installation or a manufacturer's defect.
5years
Class 4 Workmanship
On Class 4 roof systems, with an affidavit of installation for the Texas Department of Insurance signed by our representative.
10years
CertainTeed ShingleMaster
A lifetime limited, transferable warranty with non-prorated material and installation labor coverage for the first ten years. Shingles are warranted to 130 mph.
Workmanship warranty terms are those generally issued. Roof warranties are void for weather-related damage and for damage caused by negligent maintenance.
Storm Damage Assessment
Our Storm Damage Assessment
The following items are included in our storm damage assessment.
- Roof elevations
- Rooftop mechanical equipment
- Gutter systems
- Metal and soft metal components
- Fencing and perimeter structures
- Painted surfaces
- Building elevations
- Building components
- Glass items
- Awnings
- Deck and patio surfaces
FAQs
Roof Insurance Claims FAQs
Do I file the claim, or do you?
You report the claim to your insurance company, and they will give you a claim number. We can help you report it if you would like.
What is a roof-age clause?
Some policies pay the full replacement cost only while the roof is under a certain age, often 10 years, and the depreciated value after that. Check your policy or ask your insurance agent whether yours includes one.
What if the adjuster missed damage?
We review your settlement offer with you and compare it to your list of damaged items and your photos. If anything was missed, we help you present it to your insurer as a supplement.
Will you cover my deductible?
No. Texas law requires the homeowner to pay the deductible, and a contractor cannot waive or absorb it. Financing through the Wells Fargo Home Projects credit card program is one way to spread out the cost.
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