Filing A Claim

Storms happen fast in North Texas — and hail or high-wind damage to a roof can occur in a matter of minutes. The aftermath often leaves homeowners with a big question:

“Should I file an insurance claim for roof damage?”

And just as important:
“How do I make sure the claim covers everything the storm damaged?”

Whether this is your first insurance claim or your fifth, the process can feel confusing. Roofing terminology, claim deadlines, adjuster appointments, supplements, depreciation — it’s a lot to take in, especially when your home has just suffered damage.

This guide breaks down the process step-by-step so you know exactly what to expect, how to protect your property financially, and how to maximize your claim benefits.

Do I Need to File an Insurance Claim?

Not every storm requires insurance involvement — but if hail or wind caused functional damage to your roof, your homeowner insurance policy likely covers restoration.

You may need to file a claim if you notice:

• Missing shingles after wind
• Dents or bruising caused by hail
• Granule loss or “bald” patches on shingles
• Damaged flashing, ridge caps, or roof vents
• Water stains on ceilings or walls
• Attic leaks or moisture buildup

Even if there are no active leaks yet, impact damage can worsen over time due to Texas heat, rain, and humidity.

Before Filing: Get a Professional Roof Inspection

Many homeowners assume they should call insurance first — but filing before confirming damage can work against you.

If there’s no functional storm damage, filing a claim may be unnecessary
If damage exists but is not fully documented, part of the claim may be missed

Insurance carriers expect professional documentation, and inspections help establish the full scope of storm-related damage before the adjuster arrives.

A quality roofing inspection includes:

• Full roof walk-through and attic check
• Photos and video of hail/wind impacts
• Written inspection report
• Temporary protective measures if leaking (tarping)

At Concord Roofing and Construction, hail and wind-damage inspections are 100% free for Plano, Frisco, McKinney, Allen, and North Dallas homeowners — without obligation.

Step-by-Step Guide: Filing a Roof Insurance Claim

Once damage is confirmed, here’s what the process typically looks like:

1. Contact Your Insurance Provider

You’ll briefly describe:

• Date and cause of the damage (hail or high wind)
• The areas of the home affected (roof, gutters, skylights, etc.)
• Any active leaks or emergency concerns

They will issue a claim number and schedule a visit from an insurance adjuster.

2. Schedule the Adjuster Inspection

This inspection determines the initial scope of work.
It is extremely important that your roofing contractor be present.

Adjusters are responsible for documenting damage — but it’s easy to miss hidden or structural storm impacts without a roofing professional on-site.

Concord Roofing and Construction:

• Meets the adjuster at your home
• Provides photo documentation and inspection notes
• Ensures all storm-related damage is included in the adjuster’s report

3. Receive the Claim Estimate

The insurance estimate is based on Xactimate, a standardized pricing database used industry-wide.
Pricing is not the main point of concern — scope is.

If something was missed (for example, flashing, pipe boots, decking repairs, ventilation, or code upgrades), we can file a supplement with supporting evidence.

4. Select Roofing Materials and Schedule Restoration

Once the claim is finalized, Concord Roofing and Construction will:

• Review roofing options (standard shingles or impact-resistant upgrades)
• Order materials
• Schedule the build date
• Complete repairs or replacement quickly and professionally

Most restorations take 1–3 days, depending on the scope.

Understanding Insurance Terms (Without the Confusion)

Beware of contractors who claim they can waive or “cover” deductibles — it is illegal in Texas and can jeopardize claims.

What Can Cause an Insurance Claim to Be Denied?

Insurance carriers do not deny claims without a reason. The most common denials occur when:

Damage is purely cosmetic (no functional impairment)
The roof was damaged by age — not storm impact
Too much time passed after the storm before reporting the claim
Insufficient documentation of storm damage

Most of these issues are preventable when a roofing professional is involved from the beginning.

FAQ — Roof Insurance Claims in North Texas

Do I need multiple estimates for my insurance company?
No. Insurance sets pricing through Xactimate. The key is having the correct scope of repairs.

Will my premiums go up if I file a claim?
A claim for storm damage is normally classified as a catastrophic weather event — it typically does not raise your rate individually.

How long do I have to file?
Most policies require filing within 6–12 months, but sooner is better because damage worsens over time.

Can Concord Roofing and Construction handle communication with the adjuster?
Yes — we assist homeowners through the entire claim.

What if the adjuster says there’s no damage, but the inspector disagrees?
We can submit additional documentation and request a re-inspection — this is very common.

Protect Your Home and Your Wallet

Insurance claims are stressful, but they don’t have to be. When handled correctly, they ensure your home is restored without financial burden — and your roofing system is stronger than before.

For more than 20 years, Concord Roofing and Construction has helped Plano and North Dallas homeowners recover from hail and wind damage with:

• Free storm-damage inspections
• Insurance claim guidance
• Adjuster meeting support
• High-quality roof restoration built for Texas weather