Step one is not calling your insurer
Inspect first, file second. If a professional confirms qualifying damage, your claim starts with evidence instead of hope. If the roof is fine, you have avoided an unnecessary claim on your record. Trophy documents every inspection with time-stamped photos tied to storm data for your zip code.
The adjuster meeting decides everything
Your insurer sends an adjuster to score the damage. Have your roofer present: contractors point out bruising, seal failure, and code-required items adjusters overlook from a quick walk. Disagreements at this stage become supplements later — beginning with agreement saves weeks.
Scope of loss, supplements, and your deductible
The scope of loss lists exactly what the insurer will pay for; verify measurements, materials, and code items like drip edge and ice-and-water shield. If tear-off reveals hidden damage, your contractor files a supplement with photos. And since Texas House Bill 2102, paying your deductible is mandatory — any roofer offering to waive it is committing a crime and risking your coverage.
Frequently asked questions
What deductible applies to hail claims in Texas?
Most Texas policies carry a separate wind/hail deductible of 1-2% of the dwelling value — often $3,000-$8,000. Budget for it; waiving it is illegal.
What if my claim is denied?
Request the denial in writing, get a second professional inspection, and ask for re-inspection with your contractor present. Many denials reverse with better documentation.
Does Trophy handle the whole claim?
We inspect, document, meet the adjuster, file supplements, and build to the approved scope — you make the decisions, we do the paperwork.
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