After a storm
Hail, wind and your insurer: what we do and what we don't
If a storm hit your roof, here is what to do first, and what a roofer in Texas may and may not do for you.
First steps
What to do first
- 01
Stay off the roof
A wet or damaged roof is slick. Look from the ground.
- 02
Take photos
From the ground, of the roof, the gutters and any water inside.
- 03
Call your insurer
Read your policy for your deductible, and ask what it covers, including cosmetic dents.
- 04
Keep water out
A tarp or a temporary patch is fine. Keep the receipts.
- 05
Get written estimates
From roofers you called, not from people who knocked on your door.
Our line
What we do, and what we never do
| What we do not do | What we do | |
|---|---|---|
| Your insurer | What we do not doWe do not call ourselves public adjusters and never act for you with your insurer | What we doGive you photos and a written scope of the roof work to send to your own insurer |
| Your deductible | What we do not doWe do not pay, waive or absorb it, and we make no offer about it | What we doThe estimate shows the full price of the work. Your deductible is yours to pay. |
| Door knocking | What we do not doWe do not knock on doors after a storm or ask for a signature before the estimate | What we doWe come when you call us |
| Dents | What we do not doWe do not tell you whether a dent is covered. Your insurer decides that. | What we doTell you honestly whether a dent is cosmetic or lets water in |
A note for Texas homeowners
What Texas law says
In Texas, a roofer may not act as your insurance adjuster or take on your deductible. We do not call ourselves public adjusters, and we make no offer about your deductible. We can write you an estimate for the roof work. Your insurer decides what your policy covers.
Home contracts carry the notice Texas requires. If a roofer offers to make your deductible go away, do not sign: in Texas that is not allowed.
Storm questions
Will hail dent a metal roof?
It can. A dent is mostly how it looks, and a metal roof usually still keeps water out. Ask your insurer whether your policy covers cosmetic dents.
Can you tarp my roof?
Call and tell us there is water coming in. We will tell you what we can do and when.
Should I sign with the first roofer who knocks?
No. Get written estimates from roofers you called, and read the contract first.
Will my insurer pay for a metal roof?
That depends on your policy. Ask your insurer before you decide, and tell us what they say.
Water coming in, or a roof to look at?
Call or text a photo. We will tell you what we see.