We Handle the Insurance Process So You Don't Have To
Filing a roofing insurance claim after storm damage should be straightforward, but the reality is often anything but. Between policy language, adjuster inspections, supplement requests, and repair timelines, the process can quickly become overwhelming — especially when you're already dealing with a damaged home.
At 3 Rivers Roofing, we've guided hundreds of Central Texas homeowners through the insurance claims process from start to finish. We know what adjusters look for, we speak the language insurance companies understand, and we advocate on your behalf to make sure you receive fair compensation for the damage to your roof.
How We Help With Your Claim
Step 1: Free Storm Damage Inspection
It all starts with a thorough inspection of your roof. We document every detail — hail hits, wind damage, cracked flashing, damaged vents, compromised pipe boots — with photographs and measurements. This comprehensive documentation becomes the foundation of your claim.
Step 2: Claim Filing Support
If our inspection reveals damage that warrants a claim, we'll walk you through the process of contacting your insurance company. We'll help you understand your policy's coverage, deductible, and any time limits for filing.
Step 3: Adjuster Meeting
When your insurance company sends an adjuster, we'll be there to meet them at your property. We walk the roof together, point out all documented damage, and ensure nothing is missed. Having a roofing professional present during the adjuster's inspection significantly improves the accuracy and completeness of the assessment.
Step 4: Supplement Process
If the initial insurance estimate doesn't cover the full scope of necessary repairs, we prepare and submit supplement documentation. This is a detailed technical response that explains why additional work or materials are needed, supported by photographs, measurements, and manufacturer specifications.
Step 5: Repair Coordination
Once your claim is approved, we coordinate the repair or replacement timeline with you. We handle all the logistics — ordering materials, scheduling the crew, and ensuring the work is completed to manufacturer specifications and local building codes.
No out-of-pocket surprises: We work within your insurance company's approved scope and pricing. Your primary cost is your policy's deductible. We'll explain all of this clearly before any work begins.
Common Questions About Roofing Insurance Claims
How long do I have to file a claim?
Most Texas homeowner's insurance policies allow one to two years from the date of the storm to file a claim, but this varies by policy. We recommend filing as soon as possible after damage is identified.
Will filing a claim raise my premiums?
Storm damage claims are typically categorized as "acts of nature" and are generally treated differently than at-fault claims. However, every policy is different. We recommend discussing this with your insurance agent before filing.
What if my claim is denied?
Initial denials aren't necessarily the final word. If we believe the denial isn't justified based on the documented damage, we can help you with the appeals process, including providing additional documentation and requesting a re-inspection.
Do I have to use the contractor my insurance company recommends?
No. In Texas, you have the right to choose your own contractor. Insurance company "preferred" contractors may prioritize cost savings for the insurer over quality for the homeowner. We work for you, not the insurance company.