Roof insurance claim help
Insurance claims are confusing. We make them simple, with 100% claim support from the first inspection to the final nail.
You pay for insurance to protect your home. Your claim should actually do that.
We know the process. You don't have to.
Most homeowners file a roof claim once or twice in their life. Policies, adjusters, and estimates are full of terms nobody explains. Our job is to educate you so you can make the best decision for you and your family.
We inspect your roof, document the damage with photos, and help get the report to your insurance company in a timely manner. When the estimate comes back, we go through it with you. And if we find rotted decking during the install, we replace it and invoice your insurance company for the difference beyond the 3 sheets we cover at no extra cost.
Claim support, start to finish.
Damage inspection
A full inspection of shingles, decking, flashing, vents, and gutters, free of charge.
Photo documentation
Clear photos and notes that show your insurance company exactly what the storm did.
Getting the report in
We help get the inspection report to your insurance company quickly, so your claim keeps moving.
Explaining your estimate
We walk through the adjuster's estimate with you, line by line, in plain English.
Items found during the job
Hidden damage like rotted decking gets documented and invoiced to your insurer.
The install itself
Once approved, we build your roof through our 10-step process with 12 quality control checkpoints.
The claim, step by step.
- 1
Free inspection
We check your roof and tell you honestly whether there's storm damage worth claiming.
- 2
You file the claim
You open the claim with your insurance company. We give you the photos and report to back it up.
- 3
The adjuster visits
Your insurer sends an adjuster to inspect the roof and write an estimate.
- 4
Review the estimate
We go through the estimate with you so you understand what's covered.
- 5
Build the roof
We install your new roof. You pay your deductible, as Texas law requires.
- 6
Close it out
Any hidden damage found during the job gets documented and invoiced to your insurer.
Veteran owned. Precision built.
Don't take our word for it.
Probably the absolute best roofing contractor I have ever seen. Karma made it feel like a white-glove service. He took care of everything with the insurance, and the roof replacement process was a dream.
My experience exceeded my expectations in every way possible, from start to finish. The contractor kept me informed and encouraged understanding of the process of getting the roof inspected and getting the report to my insurance company in a timely manner.
Straight answers.
Can you waive or pay my deductible?
No. Texas law requires homeowners to pay their insurance deductible, and contractors can't waive, rebate, or absorb it. A company that offers to is breaking the law.
Can I choose my own roofer?
Yes. You hire the contractor you choose. Your insurance company may suggest contractors, but you generally aren't required to use them. If you're unsure, check your policy or ask your agent.
What's the difference between ACV and RCV?
Actual Cash Value (ACV) pays what your old roof was worth after depreciation. Replacement Cost Value (RCV) pays to replace it with a new one, often in two payments. Your policy says which one you have, and we'll help you read it.
What if my claim is denied?
Ask your insurance company to explain the decision in writing. You can usually request a re-inspection. We'll go over our photos with you so you can decide on next steps.
Do you charge for claim help?
Our inspection is free, and claim support is part of every storm restoration job we do.
Claims, simplified.
Call for a free inspection and an honest assessment. We'll answer every question and help you understand exactly what you need.