Roof Insurance Claims

—Houston’s Trusted Roofing Company

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Who We Are

Experts in Roof Insurance Claims

Founded in 2013, HHH Roofing & Construction does roofing differently—prioritizing transparency, honesty, and customer education. We help homeowners make informed decisions by offering multiple roofing options, detailed estimates, and clear warranties for long-term peace of mind.

Our goal is to make roof replacements and repairs stress-free with open communication and expert guidance. We provide free inspections, no-obligation quotes, and tailored solutions for every budget. With exceptional workmanship and a commitment to service, HHH Roofing & Construction is here to protect your home with confidence.

Types of Storm Damage

Houston's Natural Disasters

Hail Damage

Wind Damage

Hurricane

Step-by-Step Process

How We Handle Insurance Claims

Schedule a Free Roof Inspection

We assess storm damage and document everything

File a Claim

Contact your insurance company and let them know you are filing a roof claim for damages

Receive Paperwork

You will receive your insurance paperwork and first check from Insurance Company

Pay Your Deductible

The homeowner is only responsible for paying the deductible; the insurance company will cover the remaining amount agreed for your roof.

Complete the Job

A date will be scheduled to replace your roof. Most jobs will be completed in one day!

How Do You Know If Your Roof Has Storm Damage?

Signs of Storm Damage

If you spot any of these signs, don’t wait—schedule a Free Roof Inspection to prevent further damage and ensure your insurance covers the necessary repairs!

Missing or Lifted Shingles

Strong winds can tear shingles off or cause them to curl, exposing your roof to leaks.

Water Leaks & Stains

If you notice water stains on your ceiling or walls, your roof may have a leak caused by storm damage.

Debris Impact

Fallen tree limbs, branches, or flying debris can puncture or damage roofing materials.

Granule Loss on Shingles

If you see excessive granules in your gutters or downspouts, your shingles may be deteriorating from hail or wind.

FAQs Section

Frequently Asked Questions

Does Homeowner's Insurance Pay for a New Roof?

Most homeowner’s insurance policies in Texas will cover hail and/or wind damage, but it’s best to look over your homeowner’s policy in-depth, especially if you live in a region prone to many hailstorms. Some of the common stipulations when it comes to hail damage/wind damage related insurance claims include:

Homeowners usually have within 2 years to file a claim.
Insurance policies REQUIRE a deductible payment (they may even ask for proof) before the insurance company pays its share.
Some states (those with a higher frequency of hail claims) have percent-based deductibles.
If you have only cosmetic roof hail damage it may not be covered by your insurance.

Contact your Insurance agent to answer all your Policy questions.

Visit the Texas Department of Insurance for the Homeowners Insurance Guide

Will My Insurance Cover the Full Cost of a New Roof?

There are 2 types of insurance policies: Replacement Cost Value (RCV) and Actual Cash Value (ACV). The majority of insurance policies are RCV, but it is important you verify your policy prior to filling your claim.

Replacement Cost Value (RCV) is the amount your insurance company will pay to replace your damaged roof without deducting for depreciation. This means you’ll receive enough funds to cover the full cost of a brand-new roof of similar kind and quality, minus your deductible.

Actual Cash Value (ACV) is the amount your insurance company will pay for your damaged or lost roof after deducting depreciation. It represents the current market value of your roof, considering its age, wear and tear, and lifespan.

What if My Claim Gets Denied?

If your insurance company denies your roof claim, don’t panic—there are steps you can take to challenge the decision and get the coverage you deserve:

Review the Denial Letter – Your insurance provider must explain why the claim was denied. Look for specific reasons such as “insufficient damage,” “wear and tear,” or “pre-existing issues.”
Request a Reinspection – If you believe the adjuster overlooked damage, you can request a second inspection. Having a roofing contractor present during this inspection can help strengthen your case.
Gather More Evidence – Take detailed photos and videos of the damage, get an independent roofing inspection report, and document the storm date with weather reports to support your claim.
Consult a Public Adjuster – A public adjuster works independently from your insurance company and can help negotiate a fair settlement on your behalf.
File an Appeal – If you believe your claim was unfairly denied, you can formally appeal the decision with your insurance company. Your roofing contractor can assist with providing additional documentation to support your appeal.
Consider Legal Action (If Necessary) – If your claim is still wrongfully denied, you may need to consult an insurance attorney to explore further options.

💡 Tip: Insurance companies may initially deny or lowball claims, but persistence and proper documentation can often lead to a successful payout. If your claim was denied, contact us for a free inspection—we can help you fight for the coverage you deserve!

Do I Need to Get Multiple Roofing Estimates?

No, you are not required to get multiple roofing estimates for your insurance claim. Your insurance company will send an adjuster to inspect the damage and provide their own estimate for the repairs or replacement. However, getting an independent estimate from a trusted roofing contractor can be beneficial for several reasons:

Ensures Fair Pricing – Insurance estimates may be lower than the actual cost of repairs. A roofing contractor can provide a detailed breakdown of the real costs.
Helps Dispute Low Payouts – If the insurance adjuster underestimates the damage, your contractor can provide documentation and negotiate for a fairer settlement.
Provides Better Material & Labor Options – Some insurance estimates use lower-cost materials. A contractor can ensure your new roof meets high-quality standards.
Gives You More Control – You are not obligated to use the insurance company’s preferred contractor. Choosing your own ensures you get the best service and warranty coverage.

Should I File a Claim if My Roof is just a little Damaged?

Even minor damage can worsen over time, leading to costly repairs. A professional inspection can determine if filing a claim is the best option for you.

Do I have to Pay My Deductible?

Yes. By law, homeowners must pay their insurance deductible before receiving full claim benefits. Beware of contractors offering to “waive” deductibles—it’s considered insurance fraud.

Let Our Customers Speak for Us.

Over 50+ Reviews

"A rental survived Ike and Harvey, but time took its toll. HHH are pros from start to finish—fair quotes, quick replies, and thorough updates with photos!"

"Highly recommend HHH. Quick, detailed, competitive quotes. Finished in a day, left everything neat, and shared cool drone pics!"

"I found HHH on YouTube while searching TPO roof repair. Eric’s team was professional, thorough, and on time. Cindy was super helpful too!"

Serving Greater Houston Area

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(832) 458-1602