How does a roof insurance claim work in Texas?
You report the damage to your insurance company, and an adjuster inspects the roof and writes up the damage. On most policies, the insurance company first pays the actual cash value, which holds back an amount for depreciation. Once the work is finished and you send in the final invoice, the held-back depreciation is usually released.
The adjuster inspection
After you file a claim, an adjuster inspects your roof and writes a scope of work. The scope lists the damage the insurance company agrees to pay for, and your payment is based on it.
It is a good idea to review the scope carefully. Items such as ridge caps, drip edge or an entire slope can sometimes be left out.
Actual cash value and replacement cost value
Most Texas homeowner policies are replacement cost value policies, and they usually pay in two parts. The first payment is the actual cash value: the cost of the work minus depreciation and your deductible.
The second payment is the recoverable depreciation. After the work is complete and you submit the final invoice, the insurance company releases the amount it held back.
Some policies are actual cash value only and pay once. Your declarations page will tell you which type of policy you have.
Partial approvals
Sometimes an insurance company approves only part of a roof. If you believe more of the roof was damaged, you can ask for the claim to be reviewed.
Texas has rules about matching when new materials cannot reasonably match the undamaged part of the roof, which can come up when a shingle color has been discontinued.
Your deductible
Texas law does not allow a roofing contractor to pay, waive or rebate your insurance deductible, and roofing contracts for insurance-funded work must say so in writing.
You also have the right to choose your own contractor. Your insurance company may recommend one, but it cannot require you to use them.
Related questions
Will filing a claim raise my premium?
It depends on your insurance company and your claim history. Ask your insurance agent before you file.
How long does the process take?
After a large storm, it can take days to a few weeks for an adjuster to inspect your roof. The work itself is usually scheduled within weeks of approval, and the final depreciation payment follows after the work is complete.
Can I keep the insurance money and not replace the roof?
If you do not complete the work, you usually give up the recoverable depreciation payment. If you have a mortgage, the check may be made out to both you and your lender.
What if my claim is denied?
You can ask your insurance company to review the decision. A roof inspection can help you understand the damage before you do.
