Introduction

Texas homeowners know the damage storms can bring—hail, high winds, and heavy rain are part of life here. When your roof is damaged, filing an insurance claim may feel overwhelming. Understanding the process of roof insurance claims in Texas can save you time, reduce stress, and ensure you get the coverage you deserve. At Riddle Brothers Roofing & Construction, we’ve helped countless homeowners navigate the claims process successfully. Here’s what you need to know.

Step 1: Assess the Storm Damage

After a storm, do a quick visual check of your home. Look for missing shingles, damaged gutters, or water stains on your ceiling. Even if damage isn’t obvious, hidden problems could compromise your roof.

Pro Tip: Take photos and videos of any visible damage. These records will support your insurance claim.

Step 2: Schedule a Professional Roof Inspection

Your next step is contacting a trusted roofing contractor. At Riddle Brothers Roofing, we provide thorough inspections to document all damage. Insurance adjusters may miss details, but an expert roofer ensures nothing gets overlooked.

Step 3: File the Insurance Claim Promptly

Most insurance policies require claims to be filed within a specific timeframe after a storm. Waiting too long could lead to denial. Contact your insurance provider, provide the documentation you collected, and request a roof inspection.

Step 4: Work with Your Insurance Adjuster

Your insurance company will send an adjuster to evaluate the damage. It’s critical to have your roofing contractor present during this meeting. At Riddle Brothers, we advocate for homeowners to ensure the adjuster’s report reflects the true scope of storm damage.

Step 5: Review the Insurance Estimate

Once the adjuster files their report, you’ll receive an estimate. Review it carefully with your roofing contractor. Make sure all necessary repairs or replacements are included. If not, your contractor can help negotiate adjustments.

Step 6: Approve the Work and Begin Repairs

When your claim is approved, you’ll receive funds to start repairs. Choose a reputable local contractor to handle the work. A company like Riddle Brothers Roofing guarantees high-quality workmanship and compliance with insurance requirements.

Common Mistakes to Avoid

• Waiting too long to file a claim.
  
  

• Attempting DIY repairs before documentation (may void coverage).
  
  

• Not hiring a local contractor, which could lead to unreliable work.

Why Riddle Brothers Roofing Makes the Difference

We’ve guided countless Texas homeowners through roof insurance claims. From inspections to repairs, we handle the details so you don’t have to. Our team ensures your roof is restored quickly, safely, and with minimal stress.

Conclusion

Storms in Texas can’t be avoided, but dealing with roof insurance claims doesn’t have to be stressful. With the right documentation and a trusted roofing contractor by your side, you can protect your investment and your home. 

Riddle Brothers Roofing & Construction is an award-winning roofing company that services the Dallas-Fort Worth metroplex. Our experienced roofers, with both commercial and residential roofs, have experience with claims and can assist your insurance company. We provide only the best quality roofing material in the industry to ensure you get a quality roof that will last for many years to come. If you want to learn more about Riddle Brothers Roofing & Construction, call (214) 884-8346 or visit our website for a free quote.