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Top 7 Houston Roof Insurance Claims FAQ

Are you looking for information about roof insurance claims? Over decades of combined expertise, Only Roofing has gathered solutions to the top 7 Houston roof insurance claims FAQs. It is essential to dissect the most prevalent questions about roof insurance claims, providing you with vital information to help you navigate the process smoothly.

Understanding the subtleties of roof insurance claims is critical for a stress-free journey. We aim to help homeowners like you by highlighting crucial issues and sharing our knowledge.

The following are the top 7 Houston roof insurance claims FAQs you’re looking for!

Question 1: Do I need to tarp up my roof?

Yes, you need to!

If a storm has damaged your roof, consider tarping it right away. Doing so helps to avoid further damage until your insurance claim for the essential repairs is authorized. Insurance companies frequently advise homeowners to take this proactive move, emphasizing the duty to limit future harm.

To guarantee thorough tarping and storm damage assessment, contact Only Roofing Contractors Spring TX, serving in all the nearby areas.

Question 2: Will my rates go up if I file an insurance claim?


Filing a roof insurance claim will not increase your premiums.

Natural disasters such as hail, strong winds, hurricanes, and tornadoes are considered acts of nature beyond your control. Homeowner’s insurance often covers such occurrences, and your premiums are normally unaffected.

If your roof receives storm damage, you must file an insurance claim as soon as possible to repair the condition.

Question 3: What is the insurance payment process like?

The procedure will go easily 99% of the time, but there are a few words you should be familiar with first, such as:

Replacement Cost Value (RCV)

Actual Cash Value (ACV) Depreciation


Question 4: Do I need to get several estimates?


Obtaining numerous roofing service quotations is optional. Regardless of the roofing company you choose, what matters most is your obligation for the deductible payment.

Question 5: Do I need to pay my deductible?


Your deductible must be paid in full. Failure to pay your deductible is considered insurance fraud and will result in criminal penalties.

Question 6: Why will my claim not get approved?

There are numerous typical reasons why your roof damage insurance claim may be denied. These reasons could be a lack of storm damage or insufficient damage expenses. Or storm damage happened before you switched insurance companies.

It is normal for a homeowner to be anxious, especially when neighbors’ roofs are replaced, or news broadcasts show hail damage or severe winds in your region. It is important to understand that your eligibility for a claim is not automatic simply because others in your area have been authorized.

Question 7: Should I sign a contingency agreement?


This agreement shall state that our roof replacement Woodlands contractors will provide necessary information for an insurance claim involving a roof in exchange for being awarded the project if the claim is accepted. The wisdom of signing such agreements is debated. Here’s our opinion: A contingency agreement safeguards the roofing provider and the homeowner.

The Bottom Line

It is critical to conduct extensive research to find answers to the top 7 Houston roof insurance claims FAQs. With complete faith in our services, signing a contingency agreement serves as a mutual precaution, protecting both parties.