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Most of what goes wrong with a roof claim is procedural rather than technical. The money is usually there; it gets lost in paperwork, deadlines and misunderstandings about who does what. These pages cover the parts homeowners most often get caught by.
Two things worth knowing before you file
- Your deductible is probably a percentage, not a flat amount. Percentage wind and hail deductibles are now standard in Texas, so on a $400,000 home a 2 percent deductible is $8,000. Check your declarations page before assuming a claim is worth filing.
- Nobody can legally pay your deductible for you. In Texas it is illegal for a contractor to waive, absorb or rebate it. An offer to do so is a red flag, not a discount.
