How to Get Insurance to Pay for Roof Replacement in Texas

A Step-by-Step Guide for Dallas–Fort Worth Homeowners

When a storm damages your roof in Texas, especially across the hail-prone Dallas–Fort Worth region, getting your insurance to pay for roof replacement can feel overwhelming. But with the right approach, documentation, and support, you can secure the coverage you deserve — lawfully and confidently.

Here’s a breakdown of how the process works and how to protect yourself while maximizing your claim.

📋 1. Review Your Homeowners Insurance Policy

Before filing a claim, read your policy to understand:

• What types of damage are covered (e.g., wind, hail, fire)

• Your deductible amount

• Exclusions (e.g., cosmetic damage or aging-related wear)
  

💡 Tip from Texas-licensed public adjusters: Many policies cover “sudden and accidental” damage — which includes storm-related roof failures — but exclude damage from neglect or deferred maintenance.

🧭 2. Schedule a Professional Roof Inspection

The insurance company will require proof of damage. Hire a Branchstone, an expert Texas roofing contractor and request we be on site before calling your insurance provider.

Look for:

• Missing, cracked, or bruised shingles

• Granule loss

• Exposed underlayment or decking

• Signs of hail strikes or wind uplift

📸 Take detailed photos of all visible damage.

☎️ 3. File the Insurance Claim Promptly

In Texas, you typically have 1 year from the date of loss to file a claim (per Texas Department of Insurance guidelines), though this can vary by policy. Call your insurance provider and ask for a claims adjuster to visit your property.

✅ Be specific about the date and cause of damage (e.g., “hailstorm on April 4, 2024”).

🛑 4. Avoid “Free Roof” Scams

Section 707.002 of the Texas Insurance Code makes it illegal for contractors to waive, absorb, or rebate a deductible. If a roofer offers to "cover your deductible," walk away — this is insurance fraud and can result in serious penalties for both the homeowner and the contractor.

✔️ Always pay and document your deductible. Texas law requires proof of payment before depreciation funds are released.

🛠 5. Cooperate with the Adjuster — But Know Your Rights

Your adjuster will inspect the roof and provide a report. Review their scope of damage carefully.

If you disagree with the adjuster’s findings:

• Request a reinspection

• Consider hiring a licensed Texas public adjuster to negotiate on your behalf

• Ask us to provide a supplement estimate with photos, measurements, and code documentation
  

💼 6. Choose BranchStone, experts in Insurance Work

While not all roofers understand how to navigate the insurance process, BranchStone excels.

• Communicate directly with your insurance adjuster

• Provide documentation for supplements

• Ensure all Texas building code upgrades are included

• We Deliver code-compliant, high-quality workmanship HELPFUL TIP: If you and your insurance company can’t agree on the amount of a property damage claim, Texas law gives you another option: the appraisal process. According to the Texas Department of Insurance (TDI), many property insurance policies include an appraisal clause that allows both the homeowner and the insurance company to each select an independent appraiser. These appraisers then work together to agree on the value of the loss — and if they can’t agree, a neutral umpire makes the final decision. Once the appraisal is complete, the insurance company can issue payment based on the agreed value. Appraisal is a faster, often less expensive alternative to filing a lawsuit and can help policyholders resolve disputes fairly and efficiently. To learn more, visit TDI’s guide here.
  

🤝 More Details on How BranchStone Can Help

At BranchStone Roofing & General Contracting, we specialize in insurance claim roof replacements throughout the Dallas–Fort Worth area. Our team understands the fine print of Texas insurance policies, deductible laws, and storm damage restoration. We've helped hundreds of homeowners navigate the claims process—from initial inspection to final shingle—with transparency, integrity, and results.

✔️ We document damage thoroughly✔️ We assist with adjuster communications✔️ We ensure you stay 100% compliant with Texas law✔️ We install storm-resistant roofing systems that last

📞 Get Started with Confidence

If your roof has been damaged by hail or wind, don’t wait. Call BranchStone today to schedule your free, no-obligation roof inspection. Let our experienced team help you get the insurance coverage you’re entitled to—without the stress.

👉 Contact BranchStone Roofing & General Contracting 1-833-424-5448 or 1-833-HAIL-HIT

📍 Serving Dallas, Fort Worth, and surrounding areas