Serving Dallas–Fort Worth, TX

Roof Insurance Claim Help in Dallas–Fort Worth

A roof insurance claim can feel confusing, especially right after a storm. CGJ Roofing & Construction helps you understand the process, documents the damage with photos, and can meet your insurance adjuster on the roof, so you can make decisions with clear information.

Start With a Free Inspection Call 817-992-8899

Photo documentation • We can meet your adjuster • Honest about what’s covered

Step by Step

How a Roof Insurance Claim Works in Texas

Free roof inspection

Before you file, find out whether there's storm damage at all. We inspect and photograph your roof at no cost.

You file the claim

If there's damage, you contact your insurer and open a claim. You'll get a claim number and an assigned adjuster.

Adjuster inspection

The adjuster inspects your roof. We can be there so the damage we documented is seen firsthand.

Review the decision

If approved, your insurer sends a scope of loss. We'll go over it with you so you understand what it includes.

Repair or replacement

Installed to manufacturer specs, with daily clean-up and a magnetic nail sweep.

Final paperwork

Many policies release part of the payment after the work is done. We provide the completion documents your insurer asks for.

Straight Talk

What We Do, and What We Don't

What we do

Inspect and photograph roof damage for free
Explain the claim process in plain English
Meet your adjuster at your property
Explain your insurance scope so you know what's included
Complete the repair or replacement and provide completion documentation

Know the Terms

Understanding Your Insurance Terms

Check your own policy or ask your agent which of these apply to you.

Deductible

The amount you pay toward the claim. Many Texas policies use a percentage deductible for wind and hail, based on your home's insured value.

RCV (Replacement Cost Value)

Coverage that pays to replace damaged materials with new ones, often in two payments.

ACV (Actual Cash Value)

Coverage that subtracts depreciation for the roof's age, so the payout may be lower.

Recoverable depreciation

On many RCV policies, money held back until the work is done.

Scope of loss

The insurer's itemized list of covered damage and prices.

Reporting deadlines

Policies set time limits for reporting damage. Report promptly after a storm.

Protect Yourself

Protect Yourself From Storm Chasers

After a big hailstorm, out-of-town crews often go door to door. Be cautious if a roofer:

Offers to cover or waive your deductible
Asks you to sign a contract on the spot, before an inspection or claim decision
Wants a large payment up front
Can't give you a local phone number or references
Pressures you to decide right away

Start With a Free Inspection Call 817-992-8899

FAQ

Insurance Claim FAQ

Should I call my insurance company or a roofer first?

Many homeowners get a free inspection first to confirm there's real storm damage before filing. Policies have reporting deadlines, so don't wait long. Check your policy for the details.

Will you meet my insurance adjuster?

Yes. We can meet your adjuster at your property and point out the damage we documented.

Can you pay my deductible?

No. Texas law prohibits roofing contractors from waiving, paying or rebating a homeowner's insurance deductible.

What if my claim is denied?

We'll review the decision with you and tell you honestly what we see. Options may include asking your insurer about a re-inspection or talking with your agent. We can't negotiate the claim for you; that's reserved for you or a licensed public adjuster.

Does my policy cover an old roof?

Coverage depends on your policy. Some pay to replace the roof (RCV), and some subtract for age (ACV) or have special roof schedules. Your agent can tell you which you have.

Related Services

Service Areas

Serving Communities Across Dallas–Fort Worth

We work on homes and businesses throughout the Metroplex. Pick your city to see local details.

Free Roof Inspection

Get Clear Answers Before You File

Start with a free, photo-documented inspection so you know what you’re dealing with.

Call 817-992-8899

Or email Chase@cgjroofing.com

Your project is handled by Chase Jones and Michael Pleau, General Contractors at CGJ Roofing & Construction.