How to Get a New Roof Through Insurance: A Step-by-Step Guide for Texas Homeowners
How to Get a New Roof Through Insurance
If your home has suffered storm damage, you may be wondering if your homeowner’s insurance will cover the cost of a new roof. The answer is often yes—if you follow the right steps and work with a trusted contractor who understands the claims process.
At Cranders Roofing, we help homeowners in Kingwood, Huffman, and Humble, TX navigate roof insurance claims quickly and professionally. Here’s what you need to know.
When Does Insurance Cover Roof Replacement?
Most homeowners insurance policies cover roof replacement if the damage was caused by:
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Hail
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Wind
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Falling debris
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Fire
Normal wear and tear or damage from lack of maintenance is typically not covered.
Step 1: Inspect the Damage
After a storm, check your roof for signs of damage such as:
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Missing or lifted shingles
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Water spots on ceilings
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Granules in gutters
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Visible holes or dents
Even if you don’t see damage from the ground, it’s smart to schedule a professional roof inspection. Cranders Roofing offers free inspections to help you assess whether a claim is needed.
Step 2: Contact Your Insurance Company
Once damage is confirmed, call your insurance company and open a claim. You’ll be assigned an adjuster who will schedule a time to inspect the roof.
Tip: Ask your roofing contractor to be present during the adjuster’s visit. We can ensure all damage is documented accurately.
Step 3: Get an Estimate and Documentation
Your contractor will provide:
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A detailed damage report
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Photos of the roof
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A written estimate for repairs or replacement
This information supports your claim and helps avoid delays.
Step 4: Approval and Scope of Work
After the adjuster’s inspection, your insurer will send you a summary of what they’re covering. This includes:
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The approved amount for repairs or replacement
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The depreciation holdback (released after work is complete)
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Your deductible amount
Our team will review the scope with you and handle all communication with your insurer to ensure nothing is overlooked.
Step 5: Roof Replacement
Once approved, we’ll schedule your roof replacement using premium materials and experienced crews. Most projects are completed in 1–2 days, and we handle all cleanup.
After work is complete, we’ll provide the final invoice so your insurance company can release any remaining funds.
Why Choose Cranders Roofing?
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We understand how insurance claims work
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We’ve helped dozens of local homeowners get new roofs after storms
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We’re fast, reliable, and work with all major insurance providers
Don’t risk delays or underpaid claims by going it alone. Let Cranders Roofing guide you through every step of the process.
Schedule Your Free Roof Inspection Today
Call us or visit our website to book a no-cost, no-obligation inspection. If your roof qualifies for a replacement, we’ll help you get the coverage you deserve and the protection your home needs.
Frequently Asked Questions (FAQ)
How do I know if my roof damage is covered by insurance?
If the damage is from a covered peril like hail, wind, or a fallen tree, your insurance policy likely covers it. The best way to confirm is by scheduling a professional inspection and then contacting your insurance provider.
How much does insurance typically pay for a new roof?
It depends on your policy and the extent of the damage. Most policies cover the cost minus your deductible. Some offer full replacement cost; others factor in depreciation.
Do I need to get multiple estimates?
Some insurance companies may suggest it, but if you're working with a reputable, licensed roofer like Cranders Roofing, one detailed and fair estimate is often enough.
Will filing a claim increase my premiums?
Not necessarily. Claims for storm or weather damage are considered “acts of God” and usually won’t raise your rates. However, multiple claims in a short period might.
How long does the insurance claim process take?
Typically 1 to 3 weeks from inspection to approval. We help speed it up by working directly with your adjuster and handling all documentation.
Can I choose my own roofing contractor?
Yes. You are not required to use the contractor your insurance company recommends. Choose a roofer you trust to represent your best interests.
What if the insurance company denies my claim?
We’ll review the report and help you appeal or request a re-inspection if the denial was based on incomplete or inaccurate information.
