Homeowners Insurance and Roofing

6 days ago4 min read

Navigating homeowners insurance for roofing repairs and replacements can be a complex and time-consuming process. While insurance policies are designed to protect homeowners from unexpected damage, understanding how claims work, common reasons for denials, and the realities of claim timelines is crucial. In Houston, where severe storms, hurricanes, and high heat can shorten the lifespan of a roof, knowing how to work with insurance companies effectively can save time, money, and frustration. This guide will walk you through the entire process, what to expect, and how to maximize your claim for a new roof.

Step-by-Step Guide to the Roofing Insurance Claim Process

Step 1: Assessing the Damage and Filing a Claim

As soon as you notice roof damage, it's critical to take IMMEDIATE ACTION. Delays in reporting the damage could result in a denied claim. In Texas, insurers must acknowledge receipt of your claim within 15 days of filing.

What to Do:

Take detailed photos and videos of the damage.
Contact Garvin Exteriors for a professional inspection.
Review your insurance policy to determine what’s covered and what is your deductible.
Call your insurance provider to initiate a claim.

Step 2: Insurance Adjuster Inspection

Once your claim is filed, the insurance company will send an adjuster to inspect the damage.

What to Expect:

The adjuster will inspect the damage and document their findings.
After the inspection, the adjuster will determine if the claim is approved or denied.

Step 3: Claim Approval or Denial

By Texas law, insurance companies must approve or deny the claim within 15 days of receiving all necessary documentation. If approved, payment must be issued within five business days. However, in cases of widespread storm damage, claim processing may take longer.

Common Reasons for Claim Denials:

Wear and Tear: Standard homeowners insurance does not cover normal aging or deterioration of a roof.
Pre-Existing Damage: If the insurance company determines the damage was there before the event, they may deny the claim.
Improper Installation: Poor workmanship or faulty roofing materials could lead to a denial.
Policy Exclusions: Some policies exclude specific damage types, such as flood or wind-driven rain.

If your claim is denied, you may be able to appeal the decision. Working with a public adjuster or an experienced roofing company like Garvin Exteriors can increase the likelihood of a successful appeal.

How Long Does the Insurance Process Take?

While Texas law sets timeframes for claim processing, the reality is that delays are common—especially after large storms or hurricanes when insurers receive an overwhelming number of claims.

Typical Timeline for a Roofing Insurance Claim in Texas:

Filing the Claim: Immediately after damage occurs.
Insurance Response: Within 15 days of receiving the claim.
Adjuster Inspection: Usually scheduled within 1-2 weeks.
Claim Decision: Typically within 15 days after all paperwork is submitted.
Payment Issued: Within 5 business days if the claim is approved.
Roof Replacement: Depending on material availability, installation may take anywhere from a few days to several weeks.

After major storms, claims can take months to process, particularly if disputes arise regarding damage assessments or coverage.

Depreciation, Deductibles, and Payout Structures

Understanding how insurance companies calculate payouts is crucial. Many policies use Actual Cash Value (ACV) instead of Replacement Cost Value (RCV), meaning the amount you receive may be lower than expected.

ACV Policies: Deduct the roof’s depreciation from the payout, leaving homeowners to cover the gap.
RCV Policies: Cover the full cost of roof replacement, minus the deductible.

Payment Structure:

First Check (ACV Payment): Initial payout based on the current market value of the roof.
Second Check (Recoverable Depreciation): Additional payment issued after roof replacement is complete, covering the remaining costs.

Always verify with your insurance company whether you have an ACV or RCV policy to understand your financial responsibilities.

Preferred Roofing Contractors vs. Independent Contractors

Insurance companies often recommend preferred contractors, but homeowners have the right to choose their own roofing company. While preferred contractors may work directly with insurers, independent roofing companies may offer higher-quality materials and better craftsmanship.

Preferred Contractors: Work within the insurer’s budget, but may not offer premium materials.
Independent Roofing Companies: Allow more flexibility in material choices and installation techniques.

Key Tips for Homeowners Navigating Roofing Insurance Claims

Document Everything: Take clear photos before and after the damage.
Read Your Policy Carefully: Know your deductible, exclusions, and payout structure.
Get a Roofing Inspection First: A professional inspection helps verify the extent of the damage.
Negotiate If Necessary: If the insurance payout is too low, you can dispute it with additional documentation.
Beware of Storm Chasers: After a storm, be cautious of out-of-town contractors offering quick, cheap repairs.
Consider Supplemental Claims: If the initial payout doesn’t cover everything, request a supplemental claim.

Dealing with homeowners insurance claims for roof damage can be frustrating and time-consuming, especially in Houston, where severe weather frequently impacts roofs. Understanding the process, knowing what’s covered, and being prepared to advocate for yourself can make all the difference. If you're facing roof damage and need guidance, working with a reputable roofing contractor can help you navigate the claims process and ensure your home gets the protection it deserves.