Insurance Claims Information
Our Team Works with Insurance Companies Every Single Day
Our Team Works with Insurance Companies Every Single Day
Our Team Works with Insurance Companies Every Single Day
Insurance claims can leave homeowners feeling overwhelmed and uncertain about what to do next. At Local Roofing, we make it our mission to provide support and guidance to navigate the process with ease.
Our team works with insurance companies every day and is equipped to assist in every aspect of your roof insurance claim. We understand the complexities involved and dedicate ourselves to providing the professional and informative service you deserve.
Get Help With Your Roof Insurance Claim
Our Team Works with Insurance Companies Every Single Day
Our Team Works with Insurance Companies Every Single Day
Unfortunately, insurance companies may not always want to cover damage or may only offer a small amount to fix the problem. This is where working with an experienced roofing contractor like Local Roofing can make all the difference.
With our expertise, you can ensure that you’re getting the most out of your roof insurance claim. In fact, Local Roofing’s clients usually only pay for their deductible after hailstorms and receive new roofs, windows, gutters, fence stains, and more. Read below for some of our biggest tips for maximizing your roof insurance claim.
Actual Cash Value Plans
Replacement Cost Value Plans
Replacement Cost Value Plans
If you have Actual Cash Value (ACV) coverage, you will receive one check around the same time of your adjuster’s claim summary. This check will be the adjuster’s figure for replacing the roof based on his or her calculations, minus the depreciation for the age of the roof and any other covered items. A percentage of the replacement cost is withheld based on the amount of years left on the life of the shingles and on any other items, minus the amount of your deductible.
Under Chapter 707 of the Texas Insurance Code, you will personally have to fund the amount of your deductible. There is no legal or ethical way around that. Elevated Roofing requires the insured to pay their deductible – that is the law.
For example, let’s say you have an actual cash value plan. Your $100,000 home has a 20-year warranty on shingles that are 10 years old, with a one percent deductible. If the price of your new roof is $5,000, your insurance company will pay half of the replacement cost and withhold the amount of your deductible ($2,500 minus $1,000). The check you receive would be $1,500. You would be responsible for paying the other $3,500 out of pocket.
Replacement Cost Value Plans
Replacement Cost Value Plans
Replacement Cost Value Plans
If you have Replacement Cost Value (RCV) coverage, you may receive your funding in two separate payments. You would still receive the same actual cash value check with the adjuster’s claim summary. However, you can request a second check from your insurance company for your replacement cost, or recoverable depreciation upon completion of the roof claim.
To keep our same scenario, if you had no other changes to the claim summary, this reimbursement check would be for $2,500, for the amount they withheld for the depreciation of the aging roof. You are still responsible for your deductible. We explain the process for requesting this check further down the page.
Important Note
Read over your policy to make sure you have an RCV policy (one with recoverable depreciation.) Otherwise, you may be personally responsible to fund a large part of the project. A lot of insurance policies in Texas are changing to ACV policies on the roof coverage based on the age of the roof. However, the only out-of-pocket expense you should incur is the deductible you set.
Attempting to avoid paying your deductible by submitting inflated prices from a contractor or by keeping the insurance money without using it as designated is not only unethical but can constitute insurance fraud, which is a felony. When everyone follows the proper procedures, the system works better for everyone. Make sure to set a reasonable deductible.
Disclaimer: Local Roofing is not a licensed insurance agent, and this page is not meant to be insurance advice. We do not guarantee this information is correct. You should always consult with your insurance company for any questions.
Tips to Maximize Your Roof Insurance Claim
Be Prepared When You Call for a Roof Insurance Claim
When you call your insurance company, have a few things handy:
- Policy number
- Date of loss
- Type of loss
- Copy of your policy
The Texas Department of Insurance recommends having your roofing contractor present when the insurance adjustor inspects your house and roof for a claim. After big storms, insurance investigators are busy and could accidentally overlook an important detail in your claim.
An Adjuster’s Settlement Isn’t Always Final
After completing the assessment, the adjuster gives the homeowners a plan for handling the claim. This isn’t a conclusive settlement. If there’s a significant discrepancy from what your contractor recommended and what your insurance approved, a counter proposal needs to be put forward, or a re-inspection requested. We can provide more proof to help you get the repairs or replacement you deserve.
Cheaper Isn’t Always Better
Sometimes, insurance companies will ask you to get multiple roof repair or replacement estimates. Though some contractors will do work for less than the fair market price, it is not in your best interest to select one of these lower estimates. If it seems too good to be true, it probably is. Lower estimates often means the roofing company is cutting corners to make a profit.
You’re not saving money by accepting a lower-than-market-value bid, you’re saving your insurance company money. But when there’s a problem with your roof due to poor craftmanship and cutting corners, you will likely be liable for paying for repairs, not your insurance company. It’s in your best interest to select a reliable roofing company with fair market prices.
Most Common Texas Insurance Carriers
Allied – 800-282-1446
Allstate – 800-54-STORM
American Family – 800-374-1111
Amica – 800-24-AMICA
Anpac – 800-333-2860
Auto Owners – 888-CLAIM-AO
Encompass – 800-588-7400
Farmers – 800-435-7764
If your insurance carrier isn't listed here, click on "FIND MY CARRIER" below and you will be able to search for your insurance carrier and the claims phone number to call.
Hartford – 800-243-5860
Liberty Mutual – 800-2CLAIMS
Nationwide – 800-421-3535
Safeco – 800-332-3226
State Farm – 800-SF-CLAIM
Travelers – 800-CLAIM33
USAA – 800-531-8222
Texas Wind Storm - 800-788-8247
Insurance Frequently Asked Questions
Check out these frequently asked questions about roof insurance claims. Please reach out to us if you cannot find the answer to your question.
If you’re facing a denied roof insurance claim, don’t despair just yet. Insurance companies can make mistakes or need additional evidence to approve a claim.
That’s where we come in. We can provide the necessary documentation and support to bolster your claim and increase your chances of success.
It’s also crucial to understand the details of what’s included in your policy; that way, you can make a more informed case to your insurance provider.
In general, if the damage is caused by a sudden and accidental occurrence, it may be eligible for coverage. Your policy can potentially cover hail, wind, leaks, storms, and other kinds of damage. Insurance companies and policies vary, so check your policy to see what is covered.
Your insurance company can’t cancel or increase rates for filing a claim on your homeowner’s policy. If you have a good claims history and no other issues with your insurance policy, filing a roofing claim should not affect your rates or renewal terms.
It depends on the extent of the damage, your insurance policy, and the recommendations of a professional roofing contractor. Often, hail damage requires a full roof replacement due to hail repeatedly hitting all areas of your roof.
If your roofing system has sustained significant damage, it’s best to opt for a full roof replacement rather than just repairs to ensure that your home remains safe and secure for years to come.
According to the laws in Texas, it is illegal for a roofing company to waive or cover a deductible. Any roofing company that offers to waive your deductible could potentially be committing insurance fraud. Your deductible is your responsibility.
Unfortunately, despite being illegal, many roofing contractors still offer this to try and win more business. It’s important to hire a reliable roofing company that knows the rules about roof insurance claims in Texas. They will work with your insurance company to make sure your claim is done correctly and ethically.
Do you still have questions?
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Local Roofing | Houston's Local Roofing Experts
8990 Kirby Drive, Ste 220, Houston, TX 77054