Guide
Roof insurance claims, step by step
A roof claim is a documentation exercise. The damage matters, but what you can prove about it matters more.
Get it looked at
Three questions, and up to three Cypress contractors. Free either way.
Your request is in.
We are matching it now against roofing contractors working in Cypress and the surrounding area.
- Today, usually within the hour. The first contractor calls or texts the number you gave us. ASAP requests go out first.
- Up to three of them, no more. We cap it at three so you can compare without your phone melting.
- They come and look. Estimates are given after somebody has been on the roof, not over the phone.
- You decide, or you do not. There is nothing to cancel and nothing to pay us.
If you do not hear anything today, check your voicemail and spam folder — contractors often call from a mobile number.
Stop further damage, and keep the receipts
Emergency mitigation is normally recoverable and routinely forgotten. Save the paperwork for the tarp as carefully as the paperwork for the repair.
Read anything before you sign it
Be wary of any contract signed in a hurry after a storm, particularly one that ties you to the contractor regardless of what the insurer decides.
Get an independent assessment first
A written contractor assessment before the adjuster visits gives you a scope to compare against. If the two disagree, ask for the contractor to be present at a re-inspection — it changes the conversation considerably.
Know what your policy actually pays
Replacement cost pays what it costs to replace the roof today. Actual cash value pays that minus depreciation, which on a fifteen-year-old roof can be most of it. Find out which you have before you file, along with your deductible.
Photograph everything, immediately
Wide shots that show the house, close shots that show the damage, and pictures of the inside where water came through. Dated, before anybody touches anything. An adjuster can work with photographs; they cannot work with a description.
Mind the deadline
Policies impose time limits on reporting damage, and they are shorter than people assume. Damage found late — hail in particular — is often denied simply because too long has passed.
In short
Document first, mitigate second, file third. In that order it usually goes smoothly; in any other order it usually does not.
Related questions
What should I do to prepare?
Move the cars out, take pictures off the top-floor walls, cover anything stored in the attic, and put pets somewhere else for the loud days. Expect nails in the driveway however careful the crew is — ask whether they run a magnet at the end.
Are gutters included in a re-roof?
Usually not, unless the quote says so. If they are near the end of their life, replacing them during the re-roof is meaningfully cheaper than doing it later, because the crew and the staging are already there.
Why does ventilation keep coming up?
Because a badly ventilated attic cooks the roof from underneath and takes years off it. Intake at the eaves and exhaust at the ridge, in balance. It is cheap during a re-roof and awkward afterwards.