Roof damage after a storm can cause stress, especially when you’re not sure what steps to take. A delayed response or missed paperwork can lead to further damage or reduced coverage. That’s why it’s important to follow a clear process when filing a roof insurance claim.
This guide explains each step of the roof insurance claim process—from the first inspection to the final installation. It’s designed to help homeowners understand what to expect and how to move forward with confidence.
Start with a Roof Inspection and Documentation
The first step is to get a professional roof inspection. At Soto’s Roofing and Supply, our team provides a detailed inspection along with photo documentation showing the current state of your roof. This documentation is important. It shows the extent of the damage and creates a record that supports your insurance claim. It’s best to schedule this inspection soon after the storm or weather event.
File the Insurance Claim
Once you have the inspection report and photos, call your insurance provider to report the damage. They will assign a claim number and schedule an insurance adjuster to inspect the roof. Keep your inspection records ready, as these will support your claim and make the process more accurate. Make sure to report the damage within the time frame given in your policy.
Coordinate the Adjuster Meeting
When the insurance adjuster visits your home, we coordinate with you to be on-site during the inspection. Our goal is to help make sure that all storm-related damage is properly noted. Having us present ensures that no detail is missed and that the adjuster has a clear understanding of what needs to be repaired or replaced.
Review the Scope of Loss and Understand Your Deductible
If your claim is approved, your insurance company will issue a scope of loss. This is a written breakdown of the work that will be covered. It includes the materials, labor, and the total amount allowed for the job. In Texas, state law requires that the homeowner pay the deductible directly. It cannot be waived or reduced. Knowing this in advance helps you plan for out-of-pocket costs.
Receive the First Payment (ACV) and Schedule the Work
The first insurance payment you receive is based on the actual cash value (ACV) of your roof. Once you have received this payment and paid your deductible, we will schedule your roof replacement. Timing is important here, so it’s best to move forward with scheduling as soon as these payments are available.
Complete the Roof Installation
Our team at Soto’s Roofing and Supply will install your new roof based on the approved scope and follow all local building codes. We take care of the cleanup and perform final quality checks to make sure the work meets high standards. This marks the final step in the claims process and brings your home back to full protection.
By following these steps, you make the roof insurance claim process easier, faster, and more reliable. With professional guidance and clear documentation, you can protect your home and restore your roof with confidence.
Ready to get started? At Soto’s Roofing and Supply, we can schedule your professional roof inspection and take the first step in your insurance claim process. Our team is here to guide you from start to finish—with accurate documentation, expert support during adjuster meetings, and quality roof replacement you can trust. Contact us now to protect your home with confidence.
