How We Handle Your Claim
Navigating an insurance claim can be overwhelming. Our proven 5-step process takes the stress out of insurance claims and gets your roof replaced quickly.
Call Us
Contact us as soon as you notice storm damage. We respond within 24 hours, often same-day. Schedule your inspection right away.
Free Inspection
Our certified team conducts a thorough roof inspection, identifying all areas of damage with a comprehensive assessment.
Document Damage
We photograph and document every detail of the damage, preparing a comprehensive report for your insurance company.
Meet Your Adjuster
We work directly with your insurance company. We meet with your adjuster on-site to walk through all damage and ensure fair coverage.
New Roof Installed
Once approved, our expert crew installs your new roof with premium materials and hand-nailed craftsmanship, plus a thorough cleanup. If your damage is not covered, we also offer flexible financing options.
Understanding Your Insurance Payout
Insurance terminology can be confusing. Here are the key terms you need to understand before filing a roof damage claim.
Replacement Cost Value (RCV)
RCV is the full cost to replace your damaged roof with materials of like kind and quality at today's prices. This is the total amount your insurance company agrees to pay.
Example: If a full roof replacement costs $15,000 today, your RCV is $15,000. Most homeowners policies in Texas are RCV policies.
Actual Cash Value (ACV)
ACV is the replacement cost minus depreciation. This is the amount of your first insurance check. The older your roof, the higher the depreciation deducted.
Example: A 10-year-old roof with RCV of $15,000 might have $4,000 in depreciation, so your first check would be $11,000 minus your deductible.
Recoverable Depreciation
On RCV policies, depreciation is recoverable — meaning the insurance company releases the withheld depreciation after the work is completed and you submit the final invoice.
This is your second check. We handle the paperwork to ensure you receive the full amount you are owed after installation.
How Your Insurance Payment Works
Claim approved — First check issued (ACV minus deductible)
You pay deductible — Your only out-of-pocket cost ($1,000–$2,500 typically)
Roof installed — We complete the work and submit final invoice
Second check — Insurance releases depreciation after work is done
What Is a Supplement?
A supplement is an additional claim filed when hidden damage is discovered during installation that was not visible during the initial inspection. This is extremely common — once old shingles are removed, we often find rotted decking, damaged underlayment, or additional structural issues.
You are NOT responsible for supplement costs if the damage is storm-related. We document the additional damage, photograph it, and file the supplement directly with your insurance company. They review it and issue an additional payment to cover the extra work.
Many roofing companies skip supplements because they require extra paperwork. At Advantage Roofing, we file every legitimate supplement to ensure you get the full coverage your policy provides — and that your roof is repaired correctly, not just patched over.
What To Do If Your Claim Is Denied
A denied claim is not the end of the road. Insurance companies deny claims for many reasons — some legitimate, others not. Common reasons include:
- — Adjuster missed damage during inspection
- — Damage attributed to "wear and tear" instead of storm
- — Insufficient documentation submitted
- — Claim filed too long after the storm event
Your options after a denial:
- Request a re-inspection — Ask your insurance company to send a different adjuster. We will be present to walk them through all documented damage.
- File a supplement with additional evidence — We provide detailed reports with close-up photography that may change the outcome.
- Contact the Texas Department of Insurance (TDI) — If you believe your claim was unfairly denied, TDI can investigate.
- Consult a public adjuster — For complex cases, a public adjuster works on your behalf (they charge a percentage of the payout).
What To Do After a Storm
Stay Safe
Avoid going on your roof. Stay away from downed power lines and debris.
Document the Damage
Take photos and videos of any visible damage from the ground level. Include wide shots and close-ups. Note the date and time.
Prevent Further Damage
If safe, place tarps or buckets to prevent water intrusion. We offer emergency tarping services — call us right away.
Call Advantage Roofing First
Contact us for a free professional inspection before filing your claim. Our documentation strengthens your claim from the start.
File Your Claim
Contact your insurance company to start the claims process. Most policies require filing within 30–60 days of the storm event.
Do Not Sign with Storm Chasers
Avoid signing contracts with door-to-door roofers after storms. They often disappear before warranty issues arise. Work with a trusted local company.
Need Emergency Help? Call 713-609-9319
Time Limits Matter
Most Texas homeowners insurance policies require you to report damage within 30–60 days of the storm event. Waiting too long can result in a denied claim — even if the damage is legitimate. After a major storm in the Katy or Houston area, schedule your free inspection immediately.
Not sure if you have damage? Our inspections are always free and carry no obligation.
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Start Your Insurance Claim Today
Call us for a free inspection and let our experts handle your insurance claim from start to finish. We make the process easy so you can focus on your family.
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