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Roof damage can be a stressful and costly experience for homeowners. Whether it’s due to a severe storm or normal wear and tear, repairing or replacing a damaged roof can be a significant financial burden. However, if you have homeowner’s insurance, you may be able to file a roofing insurance claim to help cover the costs.

Understanding Your Roofing Insurance Policy

Before you can file a roofing insurance claim, it’s essential to understand your policy and what it covers. Most homeowner’s insurance policies cover roof damage caused by unexpected events, such as severe weather, fire, or vandalism. However, they may not cover damage caused by normal wear and tear or lack of maintenance. It’s crucial to review your policy carefully and make sure you understand the coverage and any exclusions. If you have any questions, don’t hesitate to reach out to your insurance provider for clarification.

Types of Roofing Insurance Coverage

Two types of coverage may apply to roof damage: dwelling coverage and personal property coverage. Dwelling coverage typically covers the structure of your home, including the roof, in the event of damage. Personal property coverage covers the contents of your home, such as furniture and appliances. If your roof is damaged, both types of coverage may apply, depending on the extent of the damage.

Deductibles and Coverage Limits

Your insurance policy will also include a deductible and coverage limits. The deductible is the amount you must pay out of pocket before your insurance coverage kicks in. Coverage limits refer to the maximum amount your insurance provider will pay for a claim.

It’s essential to review these numbers and make sure you’re comfortable with them. If your deductible is too high, you may struggle to cover the costs of repairs or replacement. If your coverage limits are too low, you may not receive enough compensation to cover the full cost of the damage.

Filing a Roofing Insurance Claim

If your roof has been damaged, the first step is to file a roofing insurance claim with your insurance provider. Here’s what you’ll need to do:

1.Document the damage

Call your insurance provider and let them know about the damage. They will guide you through the next steps and may send an adjuster to assess the damage.

2.Contact your insurance provider

Reputable roofing contractors provide transparent cost estimates. Understanding the financial aspects upfront helps you plan effectively and ensures there are no surprises during or after the repair process.

3.Get an estimate

It's a good idea to get an estimate from a reputable roofing company before filing your claim. This will give you an idea of the cost of repairs or replacement and can help you determine if filing a claim is worth it.

4.File your claim

Once you have all the necessary documentation, you can file your claim with your insurance provider. They will review your claim and determine if it meets the requirements for coverage.

5.Wait for approval

It may take some time for your insurance provider to review your claim and approve it. Be patient and follow up with them if you haven't heard back within a reasonable amount of time.

Working with a Roofing Company for Insurance Claims

Once your claim has been approved, it’s time to find a reputable roofing company to handle the repairs or replacement. Here are some tips for finding a roofing company that works with insurance claims:

Ask for recommendations

Start by asking friends, family, and neighbors for recommendations. If they've had a positive experience with a roofing company for an insurance claim, they'll likely be happy to share their experience with you.

Do your research

Once you have a few recommendations, do some research on each company. Check their website, read reviews, and look for any red flags. You can also check with the Better Business Bureau to see if any complaints have been filed against the company.

Get multiple quotes

It's always a good idea to get quotes from multiple roofing companies. This will give you an idea of the average cost for the repairs or replacement and can help you determine if a company is overcharging.

Ask about warranties

Before hiring a roofing company, make sure to ask about their warranties. A reputable company should offer a warranty on their work, and some may even offer extended warranties for an additional cost.

Understanding Roofing Warranties

In addition to the warranty offered by the roofing company, your roof may also come with a manufacturer’s warranty. It’s essential to understand the difference between the two and what they cover.

Roofing Company Warranties

Roofing company warranties typically cover the workmanship and installation of your roof. If there are any issues with the installation or materials used, the company will cover the cost of repairs or replacement.

Manufacturer's Warranties

Manufacturer's warranties cover the materials used in your roof. If there are any defects or issues with the materials, the manufacturer will cover the cost of replacement. However, these warranties may have specific requirements and may not cover damage caused by severe weather or other unexpected events.

Tips for a Successful Roofing Insurance Claim

Filing a roofing insurance claim can be a lengthy and complicated process. Here are some tips to help ensure a successful claim:

Document everything

As mentioned earlier, it's crucial to document the damage to your roof and any other affected areas of your home. This documentation will be essential when filing your claim.

Keep records

Keep a record of all communication with your insurance provider and roofing company. This includes emails, phone calls, and any other documentation related to your claim.

Be proactive

Don't wait for your insurance provider to contact you. Follow up with them regularly to ensure your claim is being processed.

Don't settle for less

If you feel like your insurance provider is not offering enough compensation for your claim, don't be afraid to negotiate. You have the right to appeal their decision and provide additional evidence to support your claim.

Conclusion

Navigating roofing insurance claims can be a daunting task, but with the right knowledge and resources, it can be a smooth process. By working with roofing companies that work with insurance claims and understanding your policy. Filing a claim, and working with a reputable roofing company like Storm Choice Roofing can get your roof repaired or replaced without breaking the bank.

We specialize in assisting homeowners with roofing insurance claims. Our team of professionals understands the intricacies of the claims process and can provide expert guidance and support every step of the way. We have established relationships with insurance providers and can help ensure that your claim is handled efficiently and successfully.

Honest Reviews
from Our Clients

( 5 OUT OF 5 )Facebook, Google & Yelp Reviews
Nyoka Harrison
Nyoka Harrison
Google Review
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Daniel was very professional and detail oriented. He explained the process step by step. My roof looks great!
Andrea Perez
Andrea Perez
Google Review
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I highly recommend roofing through Storm Choice Roofing. Everything from beginning to the end was handled to perfection. Smitty and Daniel are professional, knowledgeable and show great compassion for the work they put forth. They have provided great information and guided us through the process of a complete re-roof step by step. I am extremely happy with our new roof. I will continue to use Storm Choice in the future to create our dream home.
luis carrascal
luis carrascal
Google Review
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These guys did an amazing job. We got hit buy the tornado and were some to do the repairs. Daniel came by and took a look, sent me a quote in a timely manner. Then came out to do repairs in a reasonable amount of time. Will definitely be using these guys in the future.
Iris Murphy
Iris Murphy
Google Review
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My roof looks amazing all my neighbors on my streets love Daniel work and I will recommend him to anyone and everyone I already gave out 2 of his cards
Cassey Morales
Cassey Morales
Google Review
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I called Daniels Roofing Company and they came out quickly and fixed everything for a great price. The roof looks great and I feel so much better now. So glad to be able to support a neighborhood company, you can tell they really care about their customers, Daniel had his guys professionally assist. We plan to use them for all our roofing needs in the future.
Perla Isela
Perla Isela
Google Review
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Definitely recommend this company 💯 for your remodeling projects. Great job, with no doubt. Thank you for everything. ✨️🌛☀️
matt martian
matt martian
Google Review
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I had some wind damage and Daniel was great upfront with the whole process of contacting my insurance company and coordinating with their agent to make sure everything got taken care of. Roof looks fantastic..also did some tree work..which I needed badly. Highly recommend!
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Frequently Asked Questions
about Roof Replacement:

On average, replacing a roof in Texas costs between $6,000 and $20,000, with most homeowners spending around $12,000 for a typical 2,000-square-foot shingle roof. However, the actual cost can vary significantly depending on several factors, including:

  • Roof size: Larger roofs will naturally cost more.
  • Roofing material: Asphalt shingles are the most affordable option, while metal, slate, or tile can be considerably more expensive.
  • Roof pitch and complexity: Steeper or more intricate roofs require more labor and materials, increasing the cost.
  • Labor rates: These vary by location and contractor. Expect to pay between $1-$5 per square foot for most types of roofing.
  • Additional work: Removing the old roof, adding underlayment, or repairing the decking can add to the overall cost.

At Storm Choice Roofing, we offer free roof inspections and consultations to help you determine the exact cost of your roof replacement. We’ll also work with you to find the most affordable roofing materials and financing options to fit your budget.

The cost of repairing a roof depends on the specific issue. Small leaks cost around $150-$300, while extensive repairs can run into thousands depending on the severity of the damage.

Storm Choice Roofing offers a wide range of repair services, from fixing minor leaks to patching up damaged shingles to complete roof overhauls. We’ll diagnose the problem quickly and provide you with a fair and transparent estimate before we start any work.

Yes, most Texas counties require a roofing contractor license for roof replacements and major repairs. Always ensure your chosen contractor holds a valid license for your area.

Storm Choice Roofing is fully licensed and insured, so you can rest assured that your roof replacement or repair will be done by qualified professionals who meet all state and local requirements.

Here are some of the most common repairs:

  • Replacing shingles: This addresses leaks, cracks, or missing shingles, the most frequent repair needed.
  • Fixing leaks: Leaks can originate from various sources, like damaged flashing, cracked pipes, or worn shingles.
  • Repairing damaged flashing: Flashing seals around chimneys, vents, and other roof penetrations to prevent leaks.
  • Cleaning gutters: Clogged gutters can damage your roof by allowing water to pool and seep under the shingles.

Storm Choice Roofing is your one-stop shop for all your roofing repair needs. We have a team of experienced technicians who can quickly and efficiently handle any repair, big or small.

It’s crucial to choose a reputable and licensed roofing contractor. Here are some ways to find one:

  • Ask for recommendations: Get referrals from friends, family, or neighbors who have recently had their roofs replaced.
  • Check online resources: Look for licensed contractors with good reviews on websites like HomeAdvisor or Angie’s List.
  • Contact your local roofing association: They can provide a list of qualified contractors in your area.

But why look any further? Storm Choice Roofing is a local, family-owned business with a proven track record of providing quality roofing services at affordable prices. We’re committed to providing our customers with the best possible experience, from start to finish.

Remember, getting multiple estimates from different contractors is always recommended before making a decision. Choose a contractor you trust, with a proven track record and clear communication, and ensure everything is in writing, including the scope of work, materials used, and warranty information.

Meet the Owner

Daniel Huerta

Owner of Storm Choice Roofing

Meet the Owner

Hello I’m Daniel Huerta, the proud founder of Storm Choice Roofing. My journey to creating this company was shaped by early experiences that revealed a gap in the roofing industry – a need for a business anchored in integrity and fairness. I envisioned a roofing service that wasn’t just about technical excellence, but also about ethical practice and genuine care for customers. This vision led to the establishment of Storm Choice Roofing in 2021, marking the start of a new chapter in ethical business practices, and setting the bar for quality roofing solutions.

Our company stands as more than just a service provider; it embodies a commitment to trust, quality, and building lasting relationships with our clients. We thrive on honest, transparent interactions and focus on providing personalized solutions to meet the unique needs of each customer. The success of Storm Choice Roofing is a reflection of our unwavering dedication to these principles, fostering a sense of community and trust with every roof we repair or install.

About the Team

At Storm Choice Roofing, the team is more than just employees, they are a family united by a shared mission.

Each member, from project managers to sales, they bring unique skills and a passion for excellence. The team is characterized by their diverse expertise, unwavering commitment to quality, and a deep understanding of the roofing industry. They work collaboratively, ensuring that every project meets the high standards set by the company. Their collective goal is to provide exceptional service, from meticulous roof installations to managing intricate insurance claims, all while maintaining the core values of honesty and integrity that define Storm Choice Roofing.

Walter Smith

Sales Manager

Renee Billiot

Project Manager

Corinne Bordelon

Project Manager