Insurance claims
We Handle the Hard Part
From the first call to the final inspection, Elegant Roofing guides you through every step of the insurance claims process — so you get the full settlement you deserve.
Most Homeowners Leave Money on the Table
After a storm, insurance adjusters work for the insurance company — not for you. Without an experienced roofing contractor in your corner, it's easy to accept a settlement that doesn't cover the full cost of proper repairs.
Elegant Roofing has helped thousands of Houston homeowners navigate the claims process and secure the settlements they're entitled to. We know what adjusters look for, how to document damage correctly, and how to ensure nothing gets missed.
Free Inspection
No cost, no obligation
Adjuster Advocacy
We attend with you
Claim Supplements
We fight for full value
Licensed & Insured
Texas certified
How it works
Our 6-Step Claims Process
Free Damage Inspection
We perform a thorough inspection of your roof, documenting every hail strike, wind uplift, and water intrusion point with photos and measurements — at no cost to you.
Claim Filing Guidance
We walk you through exactly how to file your claim, what to say to your insurer, and what documentation to submit to set your claim up for success from day one.
Adjuster Meeting
Our team meets your insurance adjuster on-site. We point out every item of damage, ensure nothing is overlooked, and advocate for a complete and fair assessment.
Scope Review
We review the adjuster's scope of loss line by line. If anything is missing or undervalued, we prepare a detailed supplement and negotiate directly with your insurer.
Approved Repairs
Once your claim is approved, we schedule your project immediately. We use only materials that match or exceed your original roof — no shortcuts, no substitutions.
Final Inspection & Closeout
After completion, we do a final walkthrough with you, provide all warranty documentation, and handle the certificate of completion your insurer requires to release final payment.
What's typically covered
Storm Damage Insurance Usually Covers
Hail Damage
Hail as small as 1 inch can bruise shingles, crack tiles, and compromise your roof's waterproofing — even when damage isn't visible from the ground.
Wind Damage
High winds can lift, crack, or remove shingles entirely. Even partial lifting creates entry points for water that lead to major interior damage.
Fallen Trees & Debris
Impact damage from trees, branches, and wind-blown debris is typically covered under standard homeowner policies.
Water Intrusion
When storm damage allows water to enter your home, the resulting interior damage — ceilings, insulation, framing — is often covered alongside the roof repair.
Full Replacement
When damage is extensive enough, insurers are required to cover a full roof replacement rather than patchwork repairs that won't restore the original integrity.
Code Upgrades
Many policies include ordinance or law coverage, which pays for code-required upgrades when your roof is replaced after a covered loss.
Common questions
Insurance Claims FAQ
Will filing a claim raise my insurance rates?
Filing a weather-related claim (hail, wind, storm) typically does not raise your rates in Texas, as these are considered Acts of God. Your insurer cannot penalize you for damage caused by weather events outside your control.
What is a deductible and do I have to pay it?
Your deductible is the amount you pay before insurance covers the rest. In Texas, most policies have a separate wind/hail deductible — often 1–2% of your home's insured value. We'll walk you through exactly what to expect before any work begins.
How long do I have to file a claim after a storm?
Texas law gives you one year from the date of loss to file a claim, but we strongly recommend acting within 30–60 days. Delays make it harder to prove the damage was storm-related and give insurers grounds to reduce or deny your claim.
What if my claim is denied or underpaid?
We've successfully supplemented and appealed hundreds of denied or underpaid claims. If your insurer's initial offer doesn't cover the full scope of damage, we'll prepare a detailed supplement and negotiate on your behalf.
Do I need to be home for the inspection?
For the initial damage inspection, no — we can assess the exterior on our own. For the adjuster meeting, we strongly recommend you or a trusted representative be present so you can hear the assessment firsthand.
How do I know if my roof has storm damage?
Many types of storm damage aren't visible from the ground. Signs include granules in gutters, dented vents or flashing, cracked or missing shingles, and interior water stains. When in doubt, call us for a free inspection — it costs you nothing.
Storm Damage? Don't Wait.
The longer you wait after a storm, the harder it becomes to prove damage and secure a full settlement. Call us today for a free inspection — we'll tell you honestly whether you have a claim worth filing.