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How to File an Insurance Claim

Due to the volatile nature of the weather here in Texas, most of our residential roofing projects involve insurance claims. Storm and hail damage cause a significant amount of damage to shingles and loss of life to roofs and other personal property here in The DFW area.

Helpful hints for Insurance Claims The Texas Department of Insurance recommends that your roofing contractor be present when your insurance adjustor arrives to inspect your home and roof. Insurance adjustors are often deployed for a specific “catastrophe,” and have many appointments each day, and are thus, very busy. They may inadvertently miss or overlook an important aspect of your claim.

Once an adjustor has performed their inspection, they issue a proposal to the homeowner that should act as a guide for handling the claim. This is not a final settlement and in certain cases it is necessary to resubmit a counter proposal or call for a re-inspection if the type or scope of work differs significantly.

Your insurance company cannot cancel your policy or raise your rates for opening a claim or having to file a claim on your homeowner’s policy.

Often, insurance carriers will ask you to get three estimates for roof repair or replacement. This is not necessarily in your best interest. You are just bidding down your roof replacement so the insurance company will save money. Though there are certain unscrupulous contractors that offer to cover your deductible and will do work for less than the fair market price, they often cut corners somewhere on your roof to make a profit. The savings by accepting a lower than market value bid is not money that can be applied towards your deductible or kept by the insured. It is state law that your deductible must be paid. Any savings gained by accepting a lower bid is passed on to the insurance company. Our bids are based on Xactimate pricing the same software the insurance companies use so we know exactly what the claim amount should be.

When you call your insurance company, it is helpful to have a few things handy: your policy number (they can look you up if you don’t have it) date of loss (we can help you determine the date of the storm if you do not know) type of loss (ask that you want someone to come take a look at your roof for damage) a copy of your policy (this should help you determine the type of damage your insurance covers and your deductible or the amount for which you are responsible).

You do not have to have an estimate. It is your insurance company’s responsibility, spelled out in your policy,  to send a licensed adjustor to you home to do an inspection and give you a written report of the damages. We recommend that you have us come out and meet with your adjustor in case there is a disagreement on the damage or scope of work. We have years of experience evaluating storm damage and will make sure your insurance company indemnifies you to your preloss condition.

The following numbers are the claims lines for the major Texas area insurance carriers:

  • Allied 800-282-1446
  • Allstate 800-54-STORM
  • American Family 800-374-1111
  • Amica 800-24-AMICA
  • ANPAC 800-333-2860
  • Auto Owners 888-CLAIM-AO
  • Encompass 800-588-7400
  • Farmers 800-435-7764
  • Hartford 800-243-5860
  • Liberty Mutual 800-2CLAIMS
  • Nationwide 800-421-3535
  • Safeco 800-332-3226
  • State Farm 800-SF-CLAIM
  • Travelers 800-CLAIM33
  • USAA 800-531-8222