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Homeowners reviewing insurance claim paperwork to cover the cost of Houston roof repair

Does Insurance Cover Houston Roof Repairs?

The average lifespan of a Houston roof is around 20 years, but it’s not unusual for severe weather to cause enough storm roof damage to warrant a Houston roof replacement far earlier than many homeowners may anticipate. Also, the type of roof shingles installed will impact the longevity of your Houston roofing. Fortunately, you may actually be able to use your home insurance to help cover the costs of fixing roof damage caused by weather. Here are the steps our Houston roof experts recommend you take when it comes to using your insurance to pay for your roof repairs.

Step 1: Understand Your Insurance Policy

The first step in utilizing your insurance policy for your roof repairs is to closely review your policy to better understand what’s covered. Typically, roofs that are less than 10 years old may be fully covered by your insurance company if you are in need of a repair or replacement.

Step 2: Schedule an Inspection With Our Houston Roofer

Once you’ve read and understand what’s covered under your homeowners insurance policy, it’s time to schedule a free roof inspection. At this time our Houston roof experts can fully assess the damage that your roof has sustained over the past few years.

Step 3: File a Claim With Your Insurance Company

Upon completion of our professional roof inspection, it’s time to contact your home insurance company and file a damage claim for repair or replacement. Your insurance company will want evidence of roof damage, which we can provide if we discover problems that could result in coverage.

Step 4 - Prepare for Your Insurance Inspection

Even though our Houston roof experts have already performed a professional roof inspection, your insurance company will send their adjuster to complete their own roof inspection so that they can provide an estimate. We can ensure the adjuster offers the coverage you need. Additionally, since we offer inspections for free, you won't be adding any more costs.

Amstill Has Your Houston Roofing Needs Covered

If you think it’s time for a Houston roof repair or a roof replacement, please contact us so we can inspect your roof and begin the insurance process. Once your claim is approved, we will happily complete your repair or replacement for you, usually within a day’s work.

Wooden block house held up by a single block with the word "insurance"

How to Use Insurance for Brookshire Roof Replacement

We’ve experienced a fair amount of rain the past few weeks, some of which in the form of severe storms containing hail and strong winds, as well. As a result, many homeowners are discovering storm roof damage so extensive that a Brookshire roof replacement is necessary to protect their homes. If this is the case for you, too, there is good news: most homeowners insurance policies cover the cost of weather-related damage. Even so, the process of filing a claim with your insurance company can seem like a daunting task. Thankfully, our Houston roof experts have over 47 years of experience in the industry, not only surveying the extent of Brookshire roof damage, but also helping homeowners navigate the claims process with their insurance companies.

How To File an Insurance Claim for Brookshire Storm Roof Damage

Step 1: Review Your Homeowner’s Insurance Policy

In order to understand the type and extent of coverage you can expect for your Brookshire roof damage, you’ll need to look over your policy carefully. If your roof is less than 10 years old--which is the average length of time Brookshire roofing lasts--you could qualify for full coverage.

Step 2: Schedule Your Free Inspection with Our Houston Roof Experts

Your insurance company requires evidence of storm roof damage, which is where our Houston roof experts come in. We offer free inspections that can provide you with the evidence you need–such as pictures and detailed notes–to file a claim for Brookshire storm roof damage. If the damage is extensive, we may recommend a Brookshire roof replacement.

Step 3: File a Claim With Your Insurance Company

Shortly after our inspection of your Brookshire TX roofing, you need to call your insurance company to file a claim for the damage we discovered. Provide them with the results of our inspection and make sure you record the claim number for easy reference. The sooner this call is made, the more likely your claim will be processed quickly and in your favor. If damage is reported too long after the weather event that caused it, your policy may not cover it.

Step 4: Prepare for Your Insurance Adjuster’s Inspection

Your insurance company will send an adjuster to your property to see the damage you reported. You’ll want to coordinate this visit with our Houston roof experts so they can be there, too, to make sure the adjuster doesn't miss any damage, which could leave you with less coverage than you deserve.

Trust Your Brookshire Roof Replacement To Our Houston Roof Experts

You’ve filed a claim through your insurance company and negotiated your coverage. Now it’s time to start planning your Brookshire roof replacement with Amstill! If you received partial coverage for your new roof, rest easy knowing that we offer flexible, in-house financing options so that you can have the roof of your dreams without breaking the bank. Take the first step in protecting your family and adding value to your home by calling our Houston roof experts to schedule your free inspection today. We look forward to serving you!

homeowner protecting their roof with their hands to represent the importance of roofing insurance

How Houston Roofing Insurance Claims Work

A roof in Houston typically lasts an average of 20 years. However, your roof may last less than that or even beyond that, depending on the type of Houston roofing your home has. Houston weather conditions will also impact how long your roof lasts. In the event that you need Houston roof repairs or a Houston roof replacement, you can actually use your homeowner’s insurance to help cover some of the costs. This post will break down how insurance claims work.

Step 1: Review Your Insurance Policy

So you’re concerned about needing Houston roof repairs or a replacement. Before you file an insurance claim, you should first review your policy to see what you’re covered for and what you aren’t covered for. Generally speaking, roofs that are less than 10 years old may be fully covered. 

Step 2: Contact Our Houston Roofing Contractor

At this point, it will soon be time to call your insurance and file your claim. Before that, though, we recommend you schedule a free roof inspection with us so we can assess the damage and give you an idea of how your homeowner’s insurance company may respond. With this inspection, we can also provide a free estimate.

Step 3: Insurance Adjuster’s Inspection

Once you file your insurance claim for roof repairs or Houston roof replacement, your insurance will send an adjuster to your home so they can complete their own inspection. This inspection is what will help them determine how much coverage they may offer you. As a top-rated Houston roofer, we place great importance on not just fixing roofs, but also educating and protecting Houston homeowners, so we recommend you schedule the insurance adjuster for a day and time in which our own roof inspector can also attend. This way, we can ensure the adjuster offers the coverage you need and deserve and you don't run the risk that they will ignore or miss crucial signs of roof damage. We will also ensure to review the proper roof scope of work that is required by your city's complaince standards.

Step 4: Amstill Will Complete Roofing Work Within A Day

Once your insurance coverage is finalized, we will gladly complete your Houston roof repairs or roof replacement. Over 90% of our Houston roofing jobs are finished within a single workday so you can immediately feel safe and protected by your roof. We understand how especially important your safety is now that we are in peak hurricane season. If you would like to proceed with roof repairs or a much-needed Houston roof replacement, please contact us. We will happily service your roof.

Insurance providers determining the premium a tomball homeowner should pay for roof repair or roof replacement

Your Tomball Roof Condition Affects Your Insurance Premiums And The Coverage You Can Get For Roof Work

Homeowners’ insurance is necessary, but it can be hard to understand. However, it comes in handy when you need to pay for Tomball roof repairs or a Tomball roof replacement. This post will break down how homeowners’ insurance works and how you can get the most out of it.

What Is Your Insurance Premium?

First and foremost, your homeowners’ insurance is intended to alleviate some expenses that become necessary as a result of weather damage, such as a hurricane, tropical storm, or hail storm. How much coverage you get from your insurance policy is relative to your premium. A higher premium is paid when you get more protection.

Many factors are taken into account when your homeowners’ insurance company is determining what your insurance premium should be. One of them is risk, which is relative to your Tomball roof condition.

How Roof Condition Influences Your Insurance Premium

When it comes to buying homeowners’ insurance, the provider will look at your roof to see its condition. If your roof is fully intact–meaning there aren’t any missing shingles, balding spots, curling shingles, or cracked/dented chimney flashing and roof shingles–then you are considered “low-risk”, which means it is unlikely that you will require a massive payout.

On the other hand, if your roof is in poor condition and it’s clear that it has sustained significant damage that you haven’t taken the time to address, then you are considered “high-risk”, so your premium will be higher. It’s important to note that higher premiums are more likely in locations that are prone to frequent and severe weather events, such as Houston and surrounding cities like Tomball. 

Get The Most Out Of Your Tomball Homeowners Insurance

Getting the most out of your insurance policy means proving that you are proactive in keeping your roof in check. Performing regular Tomball roof maintenance is a great way to be proactive so that, when the time comes for a weather-related Tomball roof repair or Tomball roof replacement, your insurance company will be very helpful in covering a good portion of the Tomball roof damage your home is exhibiting. If you would like help filing an insurance claim and getting as much coverage as possible, please contact us so we can start by conducting a free roof inspection to estimate how much coverage you are eligible for.

Home insurance to file a damage claim

How to Make Paying For Houston Roof Repair or Replacement More Affordable

As we approach more extreme weather conditions, whether it be from hail storms, hurricanes, or tropical rainstorms, you may be considering getting a roof replacement, or you’re looking for someone to offer some Houston roof repairs, at the very least. You want to make sure your roof can withstand these weather conditions and that your family is safe at home, but perhaps you’re worried about breaking the bank and, as a result, are putting off any roof work. However, did you know that there is a way to make your necessary roof work more affordable?

Look to Your Homeowners Insurance For Help

Many of our customers have completely forgotten they can turn to their homeowner's insurance if they need help paying for any roof work, such as roof replacement or roof repair. It’s a bit of a process, but we are here to help make it easier!

First, Look at Your Policy

Before anything, we recommend you read your insurance policy so that you gain a better idea of the coverage you can get for the damage you may have. In general, if your roof is less than 10 years old, you may get full coverage. This is because 10 years is the average length of time that a Houston roof should last. If it undergoes plenty of damage before then, then you have every right to get more assistance in paying.

Next, Have Amstill Complete a Free Roof Inspection

We are proud to offer free roof inspections to Houston homeowners to ensure they are safe all year round. If you are considering a roof replacement, then let us thoroughly inspect your roof in order to fully assess the level of damage. With our 40+ years of experience, we may also be able to give you a general idea of how much you may end up paying.

File a Claim With Your Houston Homeowners Insurance

Once our inspection is complete, you should contact your insurance provider and file a claim for damage. We suggest you take photos of the damage since the company will want to see adequate documentation.

Insurance Adjuster Will Do an Inspection

Your insurance provider will send an adjuster to complete their own inspection and provide an estimate, but we encourage you to allow us to be there for that inspection as well so we can make certain they don’t miss any damage and give you less coverage than you deserve.

Amstill Roofing Will Complete Your Houston Roof Repair and Houston Roof Replacement

Regardless of what caused your roof damage, we are happy to help fix it so you, your loved ones, and the rest of your home are safe as more severe weather comes our way. Please contact us if you’re in need of a repair or replacement so we can get started as soon as possible.