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Roof insurance claims


types of storm damage



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

Tips on handling hail damage claims

  1. Always read reviews, get references, research before choosing a contractor. Take the time to verify certificates of insurance and licensing.
  2. Notify your insurance company immediately to open a claim. Some companies have mobile apps and online tools to file, but you can always just call.
  3. If your contractor agrees to the work, they work for you not for the insurance company. Make sure you understand in detail what each party will do and what steps are required by you.

First, find your insurance type in your policy.

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

Your insurance carrier provides complete coverage of the entire home.

Actual Cash Value

The amount that your insurance company has estimated as the cost of repairs TODAY, includes depreciation.

Get started with a free inspection

Contact your insurance company and let them know you are starting a claim for your roof.

Receive Paperwork

You will receive your insurance paperwork either in the mail or electronically

Contact HHH Roofing

Upon receiving your claims paperwork and estimate, contact your HHH Roofing representative. Have a copy of the entire claims paperwork ready for your representative.

We'll Review Your Claim

Your representative will review your claim and ensure you get everything covered

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!

Final Payment

Once everything is 100% done, the final invoice is sent over to the insurance company

What Does Wind Damage Do To a Roof?

When wind speeds get up to 

0 mph

it can cause significant roof damage.

Signs of wind damage on a roof include:

  • Loose or Missing Shingles
  • Curling Shingles
  • Granules found in Gutters
  • Damaged Soffit or Fascia
  • Watermarks on ceiling or leaks

Roof damage caused by wind can absolutely be repaired and can be covered by your Homeowner’s Insurance policy. Call your local roofing company if you suspect your home has possible damage caused by wind. They will walk you through their assessment & the insurance claim process.

Recent Reviews

5 Star Google Rating
Beyond outstanding. A complete "professional" project. The crew showed up at 7 am and it was complete before 8 pm. They did more than I asked. Such as painting several areas to match the roof. They also installed an attic fan at no extra cost. And the entire yard, including the nails was thoroughly picked up. The price was so reasonable that we wondered how much profit that they actually made.
Cindy is great! She came to help the same day that I called. She was honest in her assessment of my roof, which built my trust in her company to perform my roof repairs, which were done timely and professionally. I will definitely call on them again for any roofing issues, and I highly recommend their services.
I am truly impressed with the fair price and professionalism of this company. They were efficient and finished the job in a timely manor. Very happy to have my new roof and no more leaks! They also put in a skylight for me - love it!
The whole experience with HHH Roofing was above expectation. We needed to replace our roof and repair some rotted wood - I called and Cindy, one of their project managers, came out the next day. Cindy was professional and courteous, and explained everything they would do to fix the roof. We decided to go with them and they got us quickly scheduled - Cindy was also very helpful to answer any questions we had. Their crew showed up at 7am and worked all through the day until 9pm to get the house done in one day. They were also respectful of our property and made sure to clean up any debris or material that fell to the ground. The next day, their other project manager Eric came out to inspect the roof, finish painting the wood they had replaced, and made sure I was satisfied with the work before he left. Not only was the cost less expensive than two other quotes we got from other roofing companies, their work ethic was nothing but admirable and the roof looks amazing. I never write reviews, but felt compelled to write one for HHH as their service was simply impressive.
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