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Your roof protects your home from the outside world. However, extreme weather, fires, or falling trees can leave it in need of expensive repairs or even a full replacement. Filing a roof damage claim with your insurance company should be quick and straightforward, but some insurers make the process anything but—through delays, lowball offers, and even outright denials.

If you’re having trouble getting a fair settlement for roof damage covered by your insurance, trust the Texas and Louisiana insurance attorneys at Brasher Law to fight for the compensation you deserve.

Examples of Roof Damage

Homeowners’ insurance will typically pay for sudden or accidental roof damage caused by a “covered peril,” such as:

  • Rain and hail
  • Heavy winds
  • Falling objects, like trees or storm debris
  • Fires or lightning strikes
  • Snow, sleet, and freezing rain

Homeowners’ insurance does not cover roof damage caused by aging, general wear and tear, or lack of maintenance (a fact some insurers use to their advantage).

Additionally, if you live in parts of Texas that experience frequent severe weather, you may need a separate windstorm policy to cover wind and hail damage.

What Does Insurance Cover for Roof Damage?

Dwelling coverage typically pays for damage to your roof. Depending on the extent of the damage, it may cover:

  • Repairs for damaged shingles and leaks
  • A full replacement if the roof cannot be repaired

Dwelling coverage may also extend to interior damage caused by the same incident, including:

  • Damaged ceilings, walls, and flooring
  • Water-damaged electronics or appliances
  • Built-in systems like water heaters and HVAC units
  • Unsalvageable furniture, clothing, artwork, and other belongings
  • Damage to secondary structures, such as a garage or shed (if covered under your policy)

How to File a Claim for Roof Damage

Be sure to check with your insurance agent or your insurer’s website to confirm the correct steps for filing a claim:

  • Record everything: Take photos and videos of the roof damage, as well as any interior damage.
  • Prevent further damage: Take reasonable steps to stop the damage from worsening, such as covering exposed areas with a tarp or drying water.
  • Contact your insurer: Reach out through your insurance company’s website or call your agent to begin the claim process.
  • File the claim: Follow your insurer’s process and submit your claim within the required timeframe.
  • Work with an adjuster: A claims adjuster will review your documentation and may schedule an in-person inspection.
  • Wait for a response: The adjuster will review your claim and either offer a settlement or deny it. In Texas, insurers must respond within 15 days of receiving your claim.

What documentation do I need for a roof damage claim?

Start by taking clear photos and videos of your roof and any related property damage. Capture both close-up and wide-angle shots to show the full extent of the damage.

In addition to visual evidence, your insurer will likely require documentation such as:

  • Receipts or invoices for emergency repairs, or contractor estimates
  • Maintenance records, including proof of prior repairs or upkeep
  • Additional living expenses, such as hotel stays and meals if your home is uninhabitable

Check out our property damage checklist to learn more.

Why Would an Insurance Adjuster Delay or Deny a Roof Damage Claim?

Even if you provide all necessary documentation, meet deadlines, and pay your premiums, you may still face delays or denials. Unfortunately, insurers often prioritize their bottom line over fair claim handling.

Common reasons for roof damage claim denials include:

Not taking action

Your insurer may argue that you failed to take reasonable steps to prevent further damage or waited too long to file your claim, even if your priority was ensuring your family’s safety.

Age or neglect

The insurer may claim your roof was too old or poorly maintained, even if the damage was caused by a covered event. They may also argue the damage existed before the incident.

Policy exclusions

The insurer may argue the damage was caused by improper installation or a manufacturing defect rather than a covered peril.

When to Work with a Property Insurance Lawyer for Roof Damage Claims

If you believe your insurance company made an unfair or incorrect decision, you have options. You can file an appeal, submit a complaint to the Texas Department of Insurance, or consult a home insurance lawyer.

At Brasher Law, we focus on holding insurance companies accountable and helping clients recover fair settlements. If your insurer is delaying your claim, pressuring you to accept a low offer, or denying your claim, contact us today.

Your case evaluation is always free, so you have nothing to lose by reaching out.

 

Brasher Law Firm is licensed in TX, LA, CO, UT, OK, and NV