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    Facts and Myths About Roofing Insurance Claims


    Consumers often have been misinformed about filing an insurance claim to replace or repair their damaged roof.   Here are some facts and myths about the insurance claim process:


    Myth: If I find a roofer who does the work cheaper than my insurance company estimated, then I can pocket the difference and make some money.
    Fact: According to Texas State Insurance laws, this is considered insurance fraud. Not only is this insurance fraud, insurance companies require the roofing contractor to provide a final invoice to them.  Getting the work done cheaper than the insurance estimate actually saves the insurance company money and does nothing for you.  If the price of the roof replacement is lower than the insurance company estimate, your insurance company will in turn, adjust your final depreciation check accordingly, making the final depreciation check less by that amount.  More importantly, in many cases customers end up with a roof of lesser quality than what they could have received, precisely because they went with the company that had the lowest price.


    Myth: My insurance company says I have to get three estimates and go with the lowest estimate.
    Fact: You are not required to get three estimates.  Plus you can determine which company you want to have perform the work for you.  Even though the insurance company is paying for the work, this does not mean that you have to go with the lowest or cheapest estimate just to save the insurance company money.


    Myth: It doesn’t matter what company I have fix my roof after a storm.
    Fact: Unfortunately during an active storm season, many companies come into an area temporarily as “storm chasers”.  These companies ‘work’ an area after a storm then leave to go on to the next storm area.  This means that they will not be here to contact for warranty work and/or for service calls.  Often these companies replace the roof as fast as they do because they aren’t concerned about backing their work by honoring their warranty.


    Myth: My insurance company will cancel my policy if I file a claim.
    Fact: Insurance companies cannot cancel your policy for a disaster related claim.


    Myth: If I file a claim, my insurance company will raise my rates.
    Fact: After a disaster, whether you get a new roof or not, the state board of insurance in Austin, Texas may raise everyone’s rates in your area. You are better off getting a new roof since your rates could go up anyway due to the disaster.


    Common Indications that you may need a roof inspection:

    Recent Hail or Wind storm

    Water-stains on the ceiling

    Roof debris on the ground after heavy winds

    Rotted, warping, or curling of existing roof material

    Extreme granule loss from shingles


    Contact Us

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      Thank you for your personal attention to the roofing estimates under unusual insurance conditions.
      I would like to add how pleased I was with Ken and the crew that did the roofing job professionally and expediently. The cleanup was also handled quite well and alleviated any last doubts of how professional their roofing company is.

      Dan Mangieri

      Houston, TX

      I wanted to take a few minutes to complement your roofing company, Charles Johns and the crew that worked on our roof. All questions where answered quickly, roofing contractors were professional, courteous and friendly, and the job seems to be first class.

      We have had a couple of hard rains since the roof was installed and no problems.

      Please pass our thanks to all concerned.

      John N. Taylor

      JNT Communications