Updated:
12/21/2023
Valeriu Gurau
By
Founder

With over 15 years of industry experience, Valeriu Gurau is the founder of Built To Last Roofing. His extensive knowledge and expertise in the roofing business allow him to provide strategic solutions and ensure exceptional operational performance.

Table of Content

Hail Damage

Hailstorms are a common occurrence in Texas, known for their ability to wreak havoc on residential roofs. According to the Texas Department of Insurance (TDI), most homeowner's insurance policies in Texas include allowance for hail damage, underscoring the importance of promptly documenting the damage and contacting your insurance company to initiate a claim.

Wind Damage

Strong winds and storms have the potential to cause various forms of roof damage, including shingle displacement. Generally, home insurance policies in Texas cover wind damage. However, make sure to review your specific policy for any details or limitations regarding this coverage.

Fire Damage

Fires can lead to severe roof damage, a concerning prospect for homeowners. Fortunately, home insurance in Texas commonly includes a guarantee for fire-related damage, encompassing harm to your roof. This coverage is essential for safeguarding your home from the potentially devastating consequences of a fire.

Falling Objects

If a tree limb or any other object falls onto your roof, resulting in damage, homeowners can rely on their insurance policies to cover the repair or replacement costs. This assurance is crucial, as falling objects can cause unexpected roof coverage damage that homeowners may be unable to predict or prevent.

Vandalism and Theft

Damage resulting from acts of vandalism and theft is generally covered under homeowners' insurance in Texas. This allowance provides homeowners with the assurance that their insurance policy can assist them in recovering from such unfortunate events.

Aging and Wear and Tear

Damage resulting from the natural aging process or general wear and tear of your roof isn’t typically covered by a homeowners policy. This includes deterioration due to aging or a lack of proper maintenance.

Neglect

If damage occurs from a lack of proper maintenance or neglect, it may not be covered. Regular maintenance and roof inspection are crucial for the longevity and functionality of your roof.

Earthquake Damage

Standard homeowners' insurance policies generally don’t cover damage caused by earthquakes. To protect a home against such damage, homeowners may need to purchase additional earthquake insurance.

Flood Damage

Flood-related roof damage is also not typically covered under standard homeowners' insurance policies. To secure coverage against this kind of water damage, homeowners are often required to buy a separate flood insurance policy.

Pest Infestations

Damage caused by pests, such as termites, rats, or other animals, is generally not covered under standard homeowners' insurance policies.

Intentional Damage

Any damage that’s intentionally caused isn’t covered by homeowners' insurance.

Mold or Wet Rot

Homeowners' insurance coverage for mold damage can be complex and often depends on the cause of the mold problem. Generally, mold resulting from long-term leaking, poor home maintenance, or naturally occurring flooding isn’t covered.

Certain Natural Disasters

Depending on your policy, some natural disasters might not be covered. For instance, damage caused by hurricanes or tornadoes might require additional coverage or higher deductibles, especially in high-risk areas.

Covered Perils

Most homeowners' insurance policies in Texas cover roof damage caused by specific perils such as fire, hail, wind, and severe weather events. If your roof is damaged by one of these incidents, your insurance is likely to cover the repair or replacement costs.

Coverage type

Most policies offer either replacement cost coverage (RCV) or actual cash value (ACV). RCV covers the full cost of replacing your roof with materials of like kind and quality, while ACV pays the depreciated value of your roof.

Deductibles

The policy might have different deductibles for different types of damage, including wind and hail damage. It's important to understand these details, as they affect the out-of-pocket costs in the event of a claim process.

Age and Condition of Roof

The age and condition of your roof play a significant role in roof damage compensation. Insurance companies may inspect the roof when you apply for insurance and base their decision to insure and the rate of insurance on this assessment.

Maintenance and Inspections

Regular roof maintenance and inspections of your roof can be crucial for ensuring coverage. Neglect or lack of preservation may lead to insurance claims being denied.

Additional Coverages and Endorsements

Depending on your specific needs, you might consider additional coverages or endorsements for more comprehensive protection. This can include a guarantee for specific high-risk perils or additional protection for certain types of property.

Assistance with Filing Claims

If a homeowner is unsure about how to file a claim, Built to Last Roofing is there to help 24/7. We can guide you through the process of contacting your insurance company to initiate a claim, ensuring that it's done correctly and efficiently. This immediate help can be crucial in getting the process started without delays.

Professional Inspections

After the insurance claim is filed and an adjuster is assigned by the insurance company, Built to Last Roofing conducts an independent and free inspection. This step is critical as it involves a detailed assessment of the property, with thorough documentation including photographs and measurements of the roof damage. This comprehensive inspection ensures that all aspects of the damage are well-documented and considered in the claim.

Comparison and Advocacy

Built to Last Roofing's inspection results can be vital in cases where the homeowner might need to compare findings with the insurance adjuster’s report. By providing a detailed assessment, our team ensures that homeowners aren’t at a disadvantage during the insurance process. This level of advocacy is crucial in ensuring that homeowners receive fair value and coverage for their roof damage.

Repair Services

Once the claim is processed and approved, Built to Last Roofing offers professional repair services. We have a wide network of professionals across the country, ensuring that the right expertise is available for every unique situation. The homeowner is required to pay only a minimal service fee, with the rest of the repair costs covered by the insurance claim, simplifying the process significantly.

Continuous Support

Throughout the claim process, our professionals offer continuous support to homeowners. We help in understanding the intricacies of the insurance process, assist in negotiations with the insurance company if needed, and provide high-quality repair services that bring your roof back to its best condition.

Owning a home in Texas presents distinct challenges, particularly in managing the region's climate. The Lone Star State is notorious for its unpredictable and often harsh climate, ranging from severe thunderstorms and large hail to strong winds, all of which can cause significant damage to your roof. Understanding the nuances of your homeowners' insurance policy is crucial, particularly if you're considering getting a new roof through insurance in Texas. 

This guide aims to demystify homeowners' insurance coverage for roof damage in the Lone Star State, addressing how it works, the types of damage typically covered, and insights on handling claims effectively for roof replacement.

5 Types of Roof Damage Covered by Homeowners’ Insurance in Texas

5 Types of Roof Damage Covered by Homeowners’ Insurance in Texas

In safeguarding your home and roof in Texas' diverse and occasionally challenging climate, understanding your homeowners' insurance is essential. A common question among homeowners is "Does home insurance cover natural disasters?" 

Given that Texas experiences a wide range of weather phenomena, from hailstorms and high winds to the potential threat of fires and falling objects, this becomes a particularly relevant concern. So, let's look at the types of roof damage that indemnity covers:

  1. Hail Damage.
  2. Wind Damage
  3. Fire Damage.
  4. Falling Objects.
  5. Vandalism and Theft.

8 Types of Roof Damage Not Covered by Homeowners’ Insurance in Texas

In Texas, homeowners' insurance typically covers various types of roof damage, but there are notable exceptions to this coverage. Here's a breakdown of what's usually not covered:

  1. Aging and Wear and Tear.
  2. Neglect.
  3. Earthquake Damage.
  4. Flood Damage.
  5. Pest Infestations.
  6. Intentional Damage.
  7. Mold or Wet Rot.
  8. Certain Natural Disasters.

You’ll want to review your specific policy and discuss with your insurance agent to fully understand what types of damage are covered and what’s excluded.

Understanding Roof Damage Coverage in Texas Homeowners' Insurance

Understanding Roof Damage Coverage in Texas Homeowners' Insurance

Texas home insurance often provides coverage for various roof damage situations. However, it's crucial to familiarize yourself with the details of your policy. Typically, this insurance includes protection for roof damage resulting from natural disasters and unforeseen accidents. Here are some essential considerations:

Professional Help of Built to Last Roofing in the Insurance Claim Process

Professional Help of Built to Last Roofing in the Insurance Claim Process

As you can imagine, navigating through an insurance claim for roof damage in Texas can be complex, especially in the aftermath of severe weather events. This is where the Built to Last Roofing team can provide essential support and expertise. Understanding the homeowner's needs, we offer hands-on assistance from the beginning of the claim process.

Built to Last Roofing's involvement in the insurance claim process isn’t just about repairing physical damage — it's about providing peace of mind and ensuring that homeowners in Texas are fully supported during what can often be a stressful time. Our professional help makes a significant difference in ensuring the claim process is smooth and advantageous for the homeowner.

How Much Money the Insurance Company Can Cover After the Homeowner's Roof Damage

How Much Money the Insurance Company Can Cover After the Homeowner's Roof Damage

The amount of money that a roof insurance company can cover after a homeowner's roof damage in Texas is subject to various factors outlined by reliable sources. Typically, insurance policies in Texas have specific coverage limits and deductibles that homeowners need to consider. Key determinants in the coverage amount:

  • The insurance policy type.
  • The extent of damage.
  • The cause of the damage.
  • The age and condition of the roof.

Let's look at the example

If your roof is over 20 years old, most insurance companies require it to pass an inspection, and it might only be covered at its actual money value, meaning depreciation is factored into the payout.

The claim payout varies with the roof's age; for instance, a 5-year-old roof might have a higher actual cash value compared to a 20-year-old roof. Separate deductibles for wind and hail damage are common in states like Texas, where tornadoes and windstorms are prevalent. These deductibles are typically set at 1% to 10% of the home's dwelling coverage limits. If a claim is approved, the insurer will reimburse for the cost of roof repairs or replacement after the deductible is paid​.

Remember

Insurance policies can vary widely, and homeowners should carefully review their policy documents to understand the scope of allowance. Additionally, consulting with the insurance company or agent is advisable to get a precise estimate of the coverage and to navigate the claims management effectively. Being aware of any limitations or exclusions in the policy is key for homeowners in Texas seeking assurance for roof damage.

Understanding Insurance Fraud in Roof Damage Claims

While most homeowners file legitimate claims for roof damage, you’ll want to be aware of insurance fraud, which can result in severe consequences. Insurance fraud includes:

  • Exaggerating the extent of damage to your roof.
  • Submitting fake or inflated invoices for repairs.
  • Filing a claim for pre-existing damage.
  • Colluding with contractors to inflate repair costs.

Insurance fraud is illegal and can lead to the denial of your claim, policy cancellation, and even criminal charges. It's always best to be honest and transparent when filing a roof damage claim.

Restore Your Roof After Damage With Built to Last Roofing

In the face of Texas's diverse and sometimes harsh weather conditions, having a robust understanding of your homeowners' insurance policy is more important than ever. While indemnity can provide a safety net, the reality of dealing with roof damage can be overwhelming. 

That's where the Built to Last Roofing team intervenes. Specializing in restoring roofs affected by hail, wind, fire, and other damages, we are committed to helping you navigate through your roof insurance claim process seamlessly. Our experts are equipped to assess, repair, or replace your roof, ensuring your home remains a safe haven against Texas's challenging weather. Contact us for a consultation and inspection. Let us guide you towards a stress-free restoration of your roof to ensure your investment is protected and your peace of mind is restored.

Key Takeaways

  1. Covered Roof Damage: Texas homeowners' insurance typically covers roof damage from hail, wind, fire, falling objects, vandalism, and theft.
  2. Excluded Roof Damage: Insurance usually does not cover roof damage due to aging, neglect, earthquakes, floods, pests, intentional damage, certain natural disasters, and mold caused by specific factors.
  3. Considerations: When dealing with roof damage claims, homeowners should review their policy's covered perils, coverage type (replacement cost or actual cash value), deductibles, the roof's age and condition, and the importance of regular maintenance and inspections.
  4. Claim Process with Built to Last Roofing: Built to Last Roofing offers support throughout the insurance claim process, including assistance with filing claims, professional inspections, comparison and advocacy, repair services, and continuous support.
  5. Factors Affecting Coverage Amount: The insurance policy type, extent of damage, cause of damage, and the age and condition of the roof are factors that affect the coverage amount.
  6. Insurance Fraud Awareness: Homeowners should be aware of insurance fraud, such as exaggerating damage or submitting fake invoices, as it can lead to claim denial and legal consequences. Honesty and transparency are essential when filing roof damage claims.
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