Storm Restoration &
Insurance Claims
Navigating the insurance process after storm damage shouldn't be a second disaster. We provide the technical expertise Texas homeowners need — legally, ethically, and effectively.
Navigating the Chaos: Your Technical Advocate in the Insurance Process
The aftermath of a Texas storm is chaotic. While we are not public adjusters and do not negotiate claim settlements or legal policy interpretations, we serve as your boots-on-the-ground technical experts. We help you navigate the complexities of a claim by providing the precise data your insurance carrier needs to make an informed decision.
Detailed Damage Documentation
We provide comprehensive photographic evidence and forensic measurements to ensure no storm-related damage is overlooked. Our documentation meets insurance industry standards for claim substantiation.
Technical Consulting & Supplementing
We work directly with insurance adjusters on-site to provide supplementing documentation. This ensures that local building codes and manufacturer specifications are accounted for in their scope of work.
Emergency Mitigation
We offer emergency tarping services to prevent further loss — often billed directly to the carrier as part of your required “duty to mitigate” under most Texas policies. Don't let a slow claim cause additional interior damage.
Complimentary Storm Assessments
Our team provides professional inspections at no cost to determine if a claim is even necessary before you involve your carrier. We'll give you an honest assessment — if there's no claimable damage, we'll tell you.
Understanding Texas Law: Your Deductible Matters
Effective September 1, 2019, Texas law (HB 2102) strictly prohibits roofing contractors from waiving, absorbing, or rebating any portion of a homeowner's insurance deductible.
It's the Law
It is a Class B misdemeanor for a contractor to offer to “pay your deductible.” Any contractor making this offer is breaking Texas law.
Proof of Payment
Under Texas Insurance Code Chapter 707, insurance carriers have the right to request “reasonable proof” (such as a canceled check or bank statement) that you paid your full deductible before they release your final depreciation (RCV) payment.
Transparency
We provide clear, itemized invoicing that matches the insurance scope to ensure you stay in full legal compliance with the State of Texas.
Key Texas Insurance Codes
HB 2102 (Texas Business & Commerce Code § 27.02)
Prohibits contractors from waiving deductibles. Violation is a Class B misdemeanor.
Texas Insurance Code Chapter 707
Carriers can require proof of deductible payment before releasing RCV funds.
Texas Insurance Code § 4102.163 (UPPA)
Contractors performing work cannot act as public adjusters or negotiate claim settlements.
The “Hall of Shame”: Carriers That Make the Process... Interesting
While we help you navigate claims with any company, some carriers have earned “special” reputations in the Lone Star State for their unique approach to claim denials.
Snake Farm
The "Good Neighbor" that isn't
Known for their "hail-proof" goggles that seem to miss 50% of the damage during the first inspection.
All-Snake
The "Hands" you might not want to be in
Famous for their creative "wear and tear" explanations for 3-inch hail dents.
Nobody's Mutual
Liberty for them, not for you
Often specializes in the "partial repair" dance, suggesting you replace three shingles on a roof with 50 hits.
U-S-N-A
The "Service" that forgot the service
Once a gold standard, now frequently seen using third-party adjusters who are incentivized to find "no damage."
Progress-Less
Moving backward on your claim
Their name says it all — expect a long road of paperwork and multiple "re-inspections" before they acknowledge the storm occurred.
Disclaimer: The names above are satirical trade nicknames commonly used in the Texas roofing industry and do not represent or reference any specific insurance company. All homeowner insurance claims are handled with professionalism regardless of carrier.
Bridging the Insurance Gap
When your insurance carrier's payout doesn't cover the full cost of a proper roof replacement, you still deserve a quality roof. Our financing options help bridge that gap so you're not left with a substandard repair or out-of-pocket hardship.
Common Insurance Gap Scenario
Financing can cover this gap with affordable monthly payments.
Our Storm Restoration Process
A proven, transparent process that keeps you informed and protected at every step.
Free Storm Assessment
We inspect your property at no cost and provide an honest assessment of whether a claim is warranted.
Damage Documentation
Comprehensive photo evidence, forensic measurements, and detailed reports prepared to insurance standards.
Adjuster Meeting
We meet on-site with your insurance adjuster to provide technical data and supplementing documentation.
Quality Installation
Code-compliant installation using manufacturer-certified materials, backed by workmanship and manufacturer warranties.