What roof damage does insurance cover?
Covered: hail bruising and granule loss, wind-lifted or missing shingles, impact damage from branches, and interior water damage that results from storm-opened penetrations. Not covered: wear from age, improper installation, or damage you delayed reporting until it worsened. Most Texas policies require claims within one year of the storm date.
ACV vs. replacement cost: read your policy
A Replacement Cost Value (RCV) policy pays what it costs to install a new roof today. Actual Cash Value (ACV) subtracts depreciation — a 15-year-old roof might only recover half its replacement cost. Many Texas carriers quietly moved hail coverage to ACV schedules; check your declarations page before storm season.
The claim process, step by step
One: get a free professional inspection with photo documentation. Two: file the claim with your storm date. Three: have your contractor meet the adjuster on the roof — adjusters miss damage from the ground. Four: review the scope of loss before signing. Trophy Exteriors walks every customer through all four steps at no charge.
Frequently asked questions
Will filing a roof claim raise my insurance rates?
Weather claims in Texas are rated across regions, not individuals — a legitimate hail claim typically will not single you out for increases the way an at-fault auto claim would.
How long do I have to file a roof claim in Texas?
Most policies allow one year from the date of loss, some two. File promptly — waiting invites denial for "progressive damage."
Can insurance force me to use their roofer?
No. Texas law lets you choose your own licensed contractor. Preferred-vendor programs benefit the insurer, not you.
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