Texas Roofing / Insurance Claim Help for Roof Damage in Texas
Texas Roofing / Insurance Claim Help for Roof Damage in Texas
Our Mission
At Vantage Roofing Solutions, our mission is simple: Own every job, serve every customer like family, and never cut corners. We lead with discipline, execute with integrity, and treat every roof as if it’s over our own home. Built on hard work, trust, and extreme accountability, we exist to protect what matters most—your home, your business, and your peace of mind.
Storm Damage Claims
Get Insurance Claim Help
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Roof Services
Service Areas
Full Breakdown for Your Roof Claims
Insurance Claim for Roof Damage
Whether you have filed an insurance claim for your roof, or looking for more information on how to file a claim on your roof. At Vantage Roofing Solutions, we specialize in helping homeowners through the entire roof insurance claim process—from the initial inspection to meeting your adjuster and getting the job done right.
The Process
How To Start An Insurance Claim For Roof Damage
Free Roof Inspection – We identify and document storm damage (photos, videos, measurements).
Damage Assessment – We provide a full report with photos showing hail, wind, or storm impact.
Claim Filing Support – We help you initiate your insurance claim and schedule the adjuster appointment.
Onsite Adjuster Meeting – We meet your insurance adjuster at your property to ensure nothing is missed.
Approval & Paperwork – Once approved, we guide you through paperwork and scope alignment.
Roof Replacement – We install a high-quality, code-compliant roof backed by warranties.
Final Invoice Sent to Carrier – We help finalize your claim, including supplements if needed.
Not sure where to start? Schedule a free inspection and let our experts walk you through it.
Understanding Texas Roof Insurance Coverage
Texas law requires insurers to cover storm damage—but policies vary. Here’s what to know:
Most homeowners insurance policies require you to file a roof damage claim within 12 months.
Deductibles must be paid by the homeowner—this is state law. But don’t worry—we offer financing options to make it manageable.
Waiving your deductible is illegal in Texas under Insurance Code §707.002. Any contractor offering to do so is violating the law.
Your premiums cannot increase solely because of storm damage caused by hail, wind, or other “Acts of God.” You’re protected under Texas regulations.
- Replacement Cost Value (RCV) Policies: Allow the depreciation to be paid once the scope of work is completed from your insurance company.
- Actual Cost Value (ACV) Policies: Do not allow the depreciation to be paid once the scope of work is completed.
We’ve created a helpful calculator to help understand how this directly impacts your insurance claim for storm damage.
RCV vs ACV
Roof Claim Calculator
RCV: Your insurer pays the initial ACV (minus deductible) and then releases recoverable depreciation after the roof is completed. Covered supplements are added once approved.
*Educational example. Actual results depend on your policy, scope, and carrier approvals. ACV policies typically do not pay recoverable depreciation.
How To File a Claim for Roof Damage
We don’t recommend filing a insurance claim for your roof until it has been professionally inspected.
We document real damage with inspection reports, drone footage, and photo evidence.
We work directly with your insurance to discuss scope of work.
We know Texas law, including deductible compliance and replacement code requirements.
We provide post-job photos for your records and insurance carrier.
- We help get your property back to pre storm condition at the cost of your deductible.
Get Started
Book Free Inspection
By submitting this form, you agree to receive automated texts or calls from Vantage Roofing Solutions. Msg & data rates may apply. Reply STOP to cancel. You also agree to the Terms of Service and Privacy Policy. Consent is not a condition of purchase.
What To Do If You Already Filed a Roof Claim?
Already filed a claim and not sure what comes next? Don’t worry—this is exactly where Vantage Roofing Solutions steps in.
Most homeowners call us after they’ve filed but are stuck waiting on an adjuster, confused by the paperwork, or holding an estimate that doesn’t match what a real roof replacement will take. That’s normal, and we help people through it every week.
Here’s how we’ll help you move forward:
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1
We Find Out Where You’re At
We go through your paperwork together—policy type (ACV vs. RCV), deductible, and scope of loss—so you know what’s already approved and what’s still pending.
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2
We Document. You Talk to Your Carrier
Texas UPPA laws mean contractors don’t negotiate claims. What we do is provide the documentation adjusters need: photos of damage, hail test squares, code items like ice & water in valleys, starter shingles, and ridge caps, plus accurate measurements.
If you want help with negotiations, we can connect you with a licensed Public Adjuster. They represent you legally, while we stay focused on the roofing work. -
3
We Compare Estimate vs. Reality
We flag missing items (ventilation, drip edge, or code upgrades) and explain them clearly so you’re never caught off guard by gaps in the carrier’s estimate.
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4
We Map the Next Steps
Once approvals are in, we help you choose materials (ask about our free Impact Resistant Class 3 Shingle Upgrade), schedule your build day, and make sure your claim is closed out properly.
UPPA Notice (Texas): Vantage Roofing Solutions does not interpret coverage or negotiate claims. We provide roofing expertise and documentation. You—or a licensed Public Adjuster/attorney—communicate with the insurer.
Get Help Today With Your Storm Damage Claim
Whether your claim has been denied or approved, we have all the tools to help assist you through your roof claim.
We document real damage with inspection reports, drone footage, and photo evidence.
We work directly with your insurance to discuss scope of work.
We know Texas law, including deductible compliance and replacement code requirements.
We provide post-job photos for your records and insurance carrier.
- We help get your property back to pre storm condition at the cost of your deductible.
Get Started
Insurance Claim Help
By submitting this form, you agree to receive automated texts or calls from Vantage Roofing Solutions. Msg & data rates may apply. Reply STOP to cancel. You also agree to the Terms of Service and Privacy Policy. Consent is not a condition of purchase.
Insurance Claims
FREQUENTLY ASKED QUETIONS
What to do if insurance denied roof claim?
If your insurance company denied your roof claim, we can step in and help you figure out the next move.
The first step would be for us to review the denial letter with you, so you understand why the claim was turned down, or partially approved.
Then our team will schedule a time to do a full property inspection to document all the damage on the property, not just the roof.
If evidence supports it, we will help you request a reinspection and make sure the adjuster has everything they need on the roofing side, and we will make sure they document all the damage on the roof and property.
If your denial is more complex, we can connect you with a licensed public adjuster who’s allowed to handle the negotiations on your behalf.
At the end of the day, a denial does not mean you are out of options.
Is there a deadline to file a roof claim?
Yes, there is a deadline to file a roof claim, but the exact timeline depends on your insurance policy.
Since we live in Texas, most homeowners have up to one year from the storm date to file an insurance claim. Click Here to find storm date near you.
Make sure you are not waiting too long after a storm. This can put your claim at risk because insurance companies may argue that the damage got worse over time due to lack of maintenance, or worse can cause more damage to your property.
Can I make a insurance claim for hail damage?
Yes, you can file an insurance claim for hail damage if your policy covers it. Most Texas homeowners insurance does cover hail damage.
The key to getting a hail damage claim approved is proving that there is actual hail damage on your roof, and supporting collateral damage on the property.
Collateral damage can include:
- Gutters
- Soft Metal Damage
- Garage Door
- Fence Damage
- Paint Damage
- Window Screens
If you recently had a hail storm, and you need help with your insurance claim. We can schedule a time to do a full roof inspection and property inspection to document the damage around the house to help you with a hail damage claim.
Can I make a Insurance Claim for wind damage?
Yes, you can file an insurance claim for wind damage if your policy covers it. Most Texas homeowners insurance does cover wind damage.
The key to getting a wind damage claim approved is proving that there is enough wind damage on the roof to replace the whole roof vs. doing a repair job.
Factors that come into play are:
- Roof Age
- Amount of damage
- Severity of damage
If you recently had a storm that caused damage to your roof, and you need help with your insurance claim. We can schedule a time to do a full roof inspection and property inspection to document the damage around the house to help you with a wind damage claim.
Does homeowners insurance pay for a full roof replacement?
Homeowners insurance can pay for a full roof replacement, but only if the damage was caused by a covered event like:
- Hail
- Wind
- Hurricane
- Tornado
- Fallen Tree
If the roof is simply put – to old, or worn out. It makes getting approved for a full roof replacement harder.
We can help figure out where you stand by performing a full roof replacement, document all damage on the roof, and compare it against your policy type (ACV vs. RCV). If the damages qualify, your insurance could cover the full roof replacement mind your deductible.
What is recoverable depreciation on a roof claim?
Recoverable Depreciation is the portion of your roof claim that the insurance company holds back unit the work is complete.
When you first get approved, the insurer pays the ACV (Actual Cash Value). This is the replacement cost – deductible – recoverable depreciation. Once the roof, or all the scope of work on the insurance claim is completed, the insurance claim will release the recoverable depreciation.
That money doesn’t go back in your pocket, it is meant to go to the roofing contractor to cover the full cost of the job. At Vantage Roofing Solutions, we walk you through this step so you understand exactly how the payments flow.