6. Insurance in Texas
With the extreme climate in the North Texas area, it will be best for the property owners to file a claim for storm damage due to hail, strong winds, and the like. Often, the insurance process can feel complicated and confusing for property owners.
What to Expect
A standard insurance claim covers the same basic steps, including information gathering, damage evaluation, restorations, and concession of receipts. That method usually follows a progression similar to this:
- Severe weather impacts your property.
- A reputed local roofing contractor inspects your roof, who specifies the amount of damage that merits the roof replacement.
- The property owner gets in touch with their insurance carrier to claim.
- The insurance carrier collects information about the potential deterioration, including the storm date.
- The insurance carrier sends an adjuster to access the property and determines (from the carrier’s perspective) the extent of the wear.
- Once the claim is accepted, the insurance carrier/adjuster gives the property owner a list of the things protected by the policy that the adjuster has determined as damaged. This is called a “scope.”
- The insurance carrier releases the ACV (Actual Cash Value) of the items on the scope.
- Provide a copy of the scope to your roofing contractor for review. Your contractor will evaluate the thoroughness of the area. They will verify that your carrier has used pricing reflecting the fair market value and identify missing things needed to restore your property to pre-storm condition and/or mandated by the current building code in your municipality.
- Discrepancies between your contractor’s estimate and your carrier’s inspection are addressed (through a process called supplementation).
- Work can begin on your property. Typically, a partial fee will be requested by your contractor at this stage.
- A final invoice is presented to your insurance carrier when work has been finished, including any extra items discovered during the repair process.
- Depreciation and/or supplemental funds are released.
- The final amount is paid to your contractor.
- You get your closeout paperwork (payment receipt, warranty, IR roof certification, etc.)