We do not have to tell Texans that roof damage is common in our state. With severe, unpredictable weather, from hailstorms and high winds to tornadoes and UV exposure, it is no wonder we experience roof damage and leaks.
So, when this happens to you, are you aware of the key steps for filing a Texas roof damage claim? If you are like most residents, you need to be prepared for the worst. Keep reading to learn the critical factors in most damaged roof claims, and contact our diligent attorneys for help filing yours.
Step One: Document the Damage
If you are present when the storm hits, document its severity by taking photos or videos of hail or wind. You should also gather weather reports or data to support your claim.
Once the storm has passed and it is safe to inspect the property damage, it is essential that you take certain steps right away to avoid a claim denial. Many insurance policies mandate reporting storm damage within 365 days. Start by taking photos and videos of the damage, and remember to include shingles, gutters, and leaks from multiple angles.
Step Two: Have Your Roof Professionally Inspected
Next, we strongly recommend that you hire a reputable Texas roofing contractor to perform an inspection of your damaged roof. This professional will identify all damage and provide a detailed report that you can submit with your claim.
Step Three: Review Your Home or Business’s Policy
It is critical to confirm your coverage before you attempt to file a roof damage claim in Texas. Review your documents for information regarding specific perils, like hail or wind, as well as components like metal roofs or gutters. You will also want to make note of your deductible, which is the amount of money you must pay out of pocket for the repairs. Next, make sure you understand if you have Actual Cash Value or Replacement Cost Value coverage, so you know your limits before initiating the process. Contacting an attorney at this stage can help you understand your existing policy and better prepare your storm damage claim.
Step Four: File Your Roof Damage Claim
Now that you have evidence of your roof’s damage, a professional estimate for repairs, and you understand your policy provisions, it is time to file your claim. Contact your insurance company via phone, app, or website as soon as possible after the event and schedule a time to meet with an adjuster. Ask your contractor to be present during the insurance company’s inspection to ensure no damages are overlooked. Our lawyers at Kirk Law Firm, PLLC can help ensure your claim is filed correctly and includes all necessary documentation.
Step Five: Review Your Settlement Offer
Insurance companies generally have 15 business days to accept or reject a roof damage claim, once the adjuster has all the necessary information. Review their determination and compare that amount to your contractor’s estimate. Do not feel obligated to accept an initial low offer. Your Kirk Law Firm, PLLC attorney can file a dispute on your behalf.
Let Us Guide You Through the Key Steps for Roof Damage Claims in Texas
Understanding the key steps for Texas roof damage claims seems easy on paper, but the practical application of this process can be overwhelming for many home and business owners. That is why we recommend reaching out to the results-oriented attorneys at Kirk Law Firm, PLLC.
We have extensive experience serving clients across the state of Texas, and our primary focus is on property damage insurance claims. So whether you have a commercial property or residential case, contact our office now, while you are still early in the process.
