Houston Roof Insurance Claim Help

The Honest Houston Insurance Claim Process

Houston roofing has a reputation problem when it comes to insurance work. After every major storm, out-of-state "storm chasers" pour into the area pushing aggressive claims, promising to "get you a free roof," and pressuring homeowners to sign assignment-of-benefits contracts. A lot of those claims later fall apart, and the homeowner is left with a damaged roof and a soured relationship with their insurer.

We do this differently. ARC Roofing Services provides the documentation. You file the claim (or don't). The adjuster makes their assessment. If the claim is approved, we do the work to the scope of the claim. If it isn't, you owe us nothing — the inspection was free.

Step-by-Step: How to Handle a Houston Storm Claim

1. Document the storm date. Note when the storm hit and screenshot any radar or news coverage. This anchors the timeline of the loss.
2. Schedule an independent inspection. Call ARC at (832) 408-8500 for a free, on-roof inspection with photo documentation.
3. Review the report with your insurance agent. Decide whether the damage exceeds your deductible enough to make filing worthwhile.
4. File the claim through your carrier. Submit our written report and photos as part of your initial filing.
5. Be home for the adjuster's inspection. Have our written report on hand. We can often coordinate to be on-site at the same time.
6. Review the adjuster's scope. If items we documented are missing, request a re-inspection or supplemental review with our supporting documentation.
7. Schedule the work. Once the claim is approved, we complete the work to the approved scope and submit the certificate of completion to your carrier.

What Insurance Will and Won't Cover

Generally covered: sudden damage from a covered peril — hail, wind, hurricane, fire, falling objects (limbs, debris). The roof has to be functionally damaged, not just cosmetically aged.

Generally not covered: wear and tear, age-out of an old roof, gradual deterioration, lack of maintenance, manufacturer defects (those are warranty issues), or pre-existing damage that wasn't reported.

Texas Deductibles to Know

• Standard deductible: $1,000–$2,500 for most claims (fixed dollar).
• Hurricane / named-storm deductible: 1–5% of insured value, applies only to named storms.
• Wind/hail deductible: Some policies have a separate percentage deductible for hail and wind even from non-named storms. Check your policy declarations page.

Red Flags: Avoid These Contractors

• Anyone offering to "waive your deductible" or pay it for you (illegal in Texas)
• Out-of-state license plates with a sales pitch
• High-pressure, sign-now contracts
• Demands for full payment upfront
• Contractors who push you to file claims for damage you don't actually have
• Anyone who refuses to give you their inspection report

Frequently Asked Questions

The information on this page is general guidance only and does not constitute legal, insurance, or financial advice. Insurance policies vary; always consult your policy declarations and your insurance agent for advice specific to your coverage.