If you received roof damage during a Texas storm, and your insurance company has denied your roof claim and the cost of repairs, you may need legal representation to ensure you receive compensation.

What Are Wind and Hail Roof Damage Insurance Claims in Texas?

Texas homeowners and property owners file hail and wind damage insurance claims to seek compensation for roof repairs after severe or unpredictable Texas weather events. When filing a wind or hail storm damage insurance claim, property owners are required to document the damage thoroughly.

What to Do if Your Roof Damage Claim Is Denied in Texas

If your roof insurance claim is denied in Texas, review the denial letter to understand the specific reasons cited. Gather all documentation and discuss the details with your insurance agent to clear up misunderstandings and request a reevaluation of your claim if the denial seems unjust. If disagreements persist, hire an independent adjuster for a second opinion. If still unresolved, contact us at Grisham & Kendall. We have over 20 years of experience specializing in roof damage insurance claims and representing homeowners. We can evaluate your policy and claim during a free consultation.

How Long Do You Have to File a Roof Damage Insurance Claim in Texas?

The timeline for filing an insurance claim for roof damage in Texas is within one year of the damage occurring, although this varies based on policy terms. Filing a homeowners insurance claim for roof damage should be done promptly to avoid delays since Texas is prone to frequent wind and hail that exacerbates roof issues. Check your insurance policy for deadlines, because early claim submission ensures assessments, repairs, and compensations are managed before further damage occurs.

What Does Roof Damage Insurance Cover in Texas?

Most homeowner insurance policies in Texas cover roof damage caused by wind and hail, but some policies might exclude certain types of damage or use specific criteria to determine coverage, like excluding cosmetic damage. Filing wind or hail roof damage insurance claims may impact future insurance premiums, because insurers may increase rates or alter coverage terms following claims or in regions prone to damage. Coverage varies depending on insurance providers and policy details.

How to Prove Wind and Hail Damage for Roof Insurance Claims in Texas

To prove wind and hail damage for roof insurance claims in Texas, document the damage immediately. Take photos and videos from various angles to clearly show affected areas. Along with photos, gather weather reports to confirm the damage coincided with wind or hail conditions. Have your roof inspected by a licensed professional who can provide a report pinpointing the damage and attributing it to the weather event. Maintaining historical records of your roof’s condition is important; these should include receipts and reports from previous maintenance, demonstrating the roof’s condition before the damage. Obtain repair estimates from reputable roofing companies. 

Ensure all interactions with your insurance adjuster are documented, and provide your adjuster with your evidence and reports. Covering exposed areas with a tarp, because insurers require proof you’ve taken measures to protect your property post-damage. These steps will increase the likelihood of receiving compensation from your insurance provider.

Common Mistakes to Avoid When Filing Roof Damage Claims in Texas

When filing a home insurance claim for roof damage in Texas, avoid these mistakes:

• Delaying Claim Submission: Submit claims promptly to meet policy deadlines and substantiate the damage cause.
• Insufficient Documentation: Document thoroughly with photos, item lists, and professional assessments to support your claim.
• Misunderstanding Policy Coverage: Understand your insurance coverage, including deductibles and exclusions, to avoid surprises.
• Skipping Professional Inspections: Use professional inspectors instead of self-assessing to ensure accurate damage reporting.
• Neglecting to Mitigate Damage: Take immediate action to prevent further damage. Failing to can lead to reduced or denied claims.
• Using Unauthorized Contractors: Obtain repair estimates from licensed contractors approved by your insurer to avoid disputes.
• Accepting Initial Settlement Offers: Review initial offers, which may not fully cover repair costs.
• Poor Record-Keeping: Maintain detailed records of all interactions with your insurance company.

Do I Need a Lawyer for a Roof Damage Insurance Claim in Texas?

Hiring a lawyer is beneficial if your claim involves complex issues or a substantial amount of money. If your insurance company has denied your claim and you dispute their reasons, or if there’s a significant difference between the compensation offered and what you believe you deserve, a lawyer can clarify your rights and negotiate for you. Navigating the legal complexities of insurance policies and expediting stalled claims are areas where legal expertise is invaluable. A lawyer specializing in insurance law can protect your rights and ensure you receive maximum compensation.

Why Are Roof Damage Insurance Claims Denied in Texas?

Roof damage insurance claims in Texas can be denied and are frequently linked to policy specifics. One reason is lack of coverage. Some policies exclude damage like wear and tear or poor maintenance, rather than wind or hail. Claims may be denied due to insufficient documentation detailing the extent and cause of damage. Late claims submission can also lead to denial. When homeowners fail to take steps to prevent further damage, claims might be denied. Claims related to pre-existing damage may also be rejected. 

Can I File a Roof Damage Claim After a Texas Storm?

Yes, you can file a roof damage claim after a storm in Texas if your property has been affected, but act promptly. Notify your insurance provider about the damage since most policies require claims to be filed within a specific timeframe. Insurers send an adjuster, but you may want to hire an independent contractor for a thorough second inspection.

If you feel that your insurance company is treating you unfairly, our experienced attorneys at Grisham & Kendall are ready to help. Our skilled lawyers handle residential property damage claims on a contingency basis. There are no fees until we successfully negotiate a settlement for you or win compensation in court. Call us today for a complimentary review of your claim and your case.