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Roof damage can happen unexpectedly and is often caused by hail, high winds, or falling trees. If you think your roof may have suffered damage from one of these causes, here’s a step-by-step guide on how to handle it:
1. Assess the Damage
If you’re certain your roof has sustained damage, it’s best to contact your insurance company right away and open a claim.
If you’re unsure, Roofer Chicks offers a free inspection for homeowners. We’ll come out, assess the damage, and provide an honest opinion on whether it makes sense to pursue a claim. This service helps prevent unnecessary claims and ensures you’re fully informed about the condition of your roof.
2. Filing a Claim with Your Insurance Company
Once you’ve decided to proceed with a claim, your insurance company will give you a claim number. Within about 48 hours, they’ll inform you when an adjuster will come out to inspect your roof.
3. Having a Contractor Present for the Adjuster Appointment
It can be incredibly helpful to have your roofing contractor at the adjuster’s appointment. At Roofer Chicks, we’re more than happy to meet with the adjuster, if requested, to ensure nothing is overlooked during the inspection.
When we inspect your roof, if you need temporary repairs to maintain the integrity of your home and prevent further damages , we can do this when we visit. We do charge for temporary repairs, but generally the insurance company will reimburse you for these repairs.
4. Review of the Insurance Scope of Work
After the adjuster’s inspection, the insurance company will decide whether to cover the damages. If they do, they’ll issue a scope of work, also known as a claims report or loss summary—usually a document between 6 and 8 pages long. We’ll review this report carefully to make sure it aligns with the work needed to repair your roof properly.
If there are any discrepancies between the scope of work and what’s necessary to restore your roof, we can help you file a supplement with the insurance company to adjust or add to the scope of work as needed.
5. Completing Repairs and Deductible Payment
Once everything is agreed upon, we’ll proceed with the repairs for the agreed amount. Homeowners are legally required to pay their deductible, similar to a co-pay at the doctor’s office. Under Texas law (HB2102), it is illegal for a contractor to waive, discount, or offset the deductible in any way.