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.