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Insurance Claim FAQS

The following information was provided by Texas State Gov Page

Insurance and your roof: What to know when buying a policy or filing a claim

Your roof is the first line of defense against severe weather. In Texas, a roof can take a beating from the weather, so here’s what you need to know when you buy a home insurance policy, file a claim, or replace your roof.

  1. Buying a policy

    Replacement cost or actual cash value

    Some policies pay up to the full cost to repair your roof at current prices. This is called replacement cost coverage. Some policies pay less if the roof is older or showing wear. This is called actual cash value coverage.

    When you renew your policy, check to see if there are changes to your roof coverage. As roofs age, some companies will switch to actual cash value. And if your roof is in poor condition, your company might not cover your roof at all. Your company should tell you when they change your coverage. 

    Deductible amounts

    A deductible is an amount you must pay before your company pays. Ask your agent if the deductible for wind and hail damage is different than the deductible for other types of damages. If it is, you might pay more out-of-pocket if your roof is damaged in a storm.

  2. Filing a claim

    You can file a claim if a storm, tree, or something else damaged your roof. If you have replacement cost coverage, the company will pay with two checks. The first check will be a partial payment. Your company will send the rest of your claim amount after you’ve started repairs.

    Remember, your insurance company won’t pay for a new roof just because it’s old or worn out.

  3. Maintaining your roof

    • Remove tree limbs hanging over or near your roof.

    • Check your roof for missing or damages shingles after a storm.

    • Check your chimney for loose bricks that might fall on your roof.

    • Keep gutters clean to keep water from damaging your roof.

    • Hire a roof inspector every few years to find issues early.


Your insurance company will inspect your roof when you apply for insurance. They may charge you more or refuse to insure you based on what they see.

Is it OK for a contractor to waive my deductible?

No. A deductible is part of your home insurance policy. It’s illegal for contractors to waive your deductible or help you avoid paying it.

  1. How would a contractor help me avoid paying a deductible?

    One way is by giving you an estimate that’s higher than the actual cost to repair your home or roof. The contractor then uses the extra money paid by the insurance company to cover your deductible. Some contractors might offer rebates or credits in the amount of your deductible. That’s also illegal.

  2. What’s the harm?

    Contractors who say they will waive your deductible might be sending false information to your insurance company about the cost of repairs. That would be fraud. And a contractor who offers to waive your deductible is likely making up the difference by cutting corners or using lower quality products. That can lead to more claims and repairs later.

  3. How will my insurance company know if I paid my deductible?

    Your insurance company can ask for proof that you paid your deductible before it pays the full amount of your claim. You might have to show a canceled check, money order receipt, credit card statement, or a copy of the payment plan with your contractor.

  4. How can I protect myself?

    • Use a local company. 

    • Ask the contractor for references and check them. Also look online to find out if they’ve had complaints or bad reviews.

  5. What should I do if a contractor offers to waive my deductible?

    Talk to your insurance company first. You can also report it to the Texas Attorney General’s Consumer Protection Hotline at 800-621-0508. Contractors who illegally waive deductibles could be fined or go to jail.

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