Roof Insurance Claim in San Antonio

Insurance pays for the roof. These are the parts we handle, and the one part that stays with you.

• A better roof for the same payout. Your adjuster's estimate pays to replace the roof you had. There are no sales commissions or billboard budgets in our price, so on most claims that same amount covers Owens Corning Duration in place of 3-tab, and Class 4 impact-resistant shingles where it reaches. Class 3 and Class 4 shingles can both qualify for annual homeowner insurance premium discounts.
• Free inspection and written damage report. Photos of every slope, vent and flashing. The report is yours to send to your insurer.
• Documentation in your insurer's format. A detailed Xactimate-formatted scope for your claim.
• On site for the adjuster's inspection. We answer questions about the roof. You stay in control of your claim.
• Supplement paperwork. If the approved scope misses items, we prepare the supplement documentation for you to submit, at no extra cost.
• Your deductible. You pay it, whichever roofer you choose. Texas law requires it. Financing is available for the deductible.

Enter your address to see your replacement price in under 2 minutes. When you want the inspection, book the call and we schedule it there.

Insurer dropping you over the roof's age, not damage? That is a different path: roof too old for insurance. For the damage itself, see hail damage, storm damage or wind damage.

Yes. A standard Texas homeowners policy covers roof replacement when a covered event damages the roof: hail, wind, or a fallen tree. Three things decide what it pays.

• The cause. Storm damage is covered. Age and wear are not, which is why the storm date matters.
• Your policy type. RCV pays current replacement cost minus your deductible. ACV subtracts depreciation for the roof's age. Your declarations page says which you have.
• Your deductible. Wind and hail deductibles are often 1% to 2% of dwelling coverage. At 1%, a $400,000 home has a $4,000 deductible.

Your policy type decides how much the insurer pays. It is on your declarations page, or your agent can tell you.

• RCV (replacement cost value): pays to replace the roof at current prices, minus your deductible.
• ACV (actual cash value): pays replacement cost minus depreciation. Depreciation is the value the roof has lost to wear and age.
• What ACV does to an older roof: the older the roof, the more depreciation comes off, so the payout shrinks with every year of age.
• Recoverable depreciation: on an RCV policy, most insurers pay in two checks. The first is the claim amount minus depreciation and your deductible. The second, the recoverable depreciation, comes after the insurer gets the bill for the finished job.
• Proof of deductible: insurers can hold the second check until you show the deductible was paid.
• Roofs over 10 to 15 years: many Texas insurers now move them to ACV or a roof payment schedule at renewal. Check before you file.

An example on a $14,000 roof with a $4,000 deductible and $3,500 of depreciation: RCV pays $6,500 up front and $3,500 after the job. ACV pays $6,500 and stops.

The definitions above follow the Texas Department of Insurance home insurance guide.

Enter your address to see your replacement price, then compare it to what your policy type would pay.

After major San Antonio storms, some roofers offer to "absorb" or "waive" the insurance deductible. In Texas that is a Class B misdemeanor for the roofer (Business and Commerce Code §27.02). Insurance Code §707.002 requires you to pay your own deductible.

Insurers can also hold the recoverable depreciation until you show the deductible was paid. You can report the offer to the Texas Department of Insurance fraud unit at 1-800-252-3439.

A roofer who waives your deductible has to make that money up somewhere, usually by padding the invoice to your insurer. Our price for roof replacement in San Antonio is public: enter your address and you see it before you talk to anyone. Your claim pays that price, minus the deductible you pay us. When the approved amount is more than our price, the difference goes into a better shingle, as the approved-claim section above explains.

If your deductible is close to our price, some homeowners skip the claim. Enter your address and decide with both numbers in front of you.