Severe weather is part of life in Texas—especially spring and summer when hailstorms and high winds roll through without much warning. At Doc’s Roofing, we know how overwhelming it can feel when your roof gets damaged. That’s why we’ve put together this step-by-step guide to help you confidently navigate the roof insurance claims process.
With the right information (and the right roofing partner), filing a claim doesn’t have to be a nightmare.
⛈ Step 1: Assess the Damage (Safely!)
After a storm passes, take a look around your property. While you should avoid climbing on the roof yourself, you can safely inspect from the ground for signs like:
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Shingle debris in your yard
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Visible dents on gutters or flashing
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Leaks or water spots in your attic or ceiling
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Damaged vents or chimneys
Tip: Take clear photos of any damage you see. These can be helpful during the claims process.
🛠 Step 2: Call a Roofing Professional You Trust
This step is critical. Before calling your insurance company, have a professional roofing contractor—like Doc’s Roofing—perform a detailed inspection. Why?
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We know what insurance adjusters look for
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We can document all roof and structural damage properly
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We help ensure no damage goes overlooked, especially in hidden areas like underlayment or decking
📞 Step 3: File Your Claim
Once you’ve confirmed damage, reach out to your insurance company to start the claims process. You’ll typically:
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Provide your policy number
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Explain the event (date, type of storm, etc.)
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Share photos and documentation from your roofer
They’ll then schedule an adjuster inspection to verify the claim.
🤝 Step 4: Meet the Insurance Adjuster
When the adjuster arrives, your roofer should be present. This ensures nothing gets missed and helps validate your case.
At Doc’s Roofing, we speak the same “language” as adjusters and can point out things they might overlook. This can make or break the scope of work your insurance covers.
📑 Step 5: Review the Insurance Estimate
Once the adjuster files their report, you’ll receive a damage estimate with a payout offer. Before accepting, we’ll help you review it line by line. If we see anything missing or under-valued, we can request a supplement.
Remember: You’re not required to take the first offer. You deserve a roof that’s restored to pre-storm condition—no less.
🧰 Step 6: Schedule Repairs with Confidence
Once the estimate is finalized, we move into action. Doc’s Roofing will handle:
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Material selection
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Permit pulling
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Roof replacement or repairs
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Site cleanup
We’ll also submit any required final documentation to your insurance company.
🧾 Bonus: Understanding Out-of-Pocket Costs
Your only direct cost is usually your deductible. Texas law requires homeowners to pay their deductible (it’s illegal for a contractor to “waive” it), but we help you get the most value for every dollar spent.
🛡️ Why Choose Doc’s Roofing?
We’ve helped hundreds of Texas homeowners get fair coverage for their roof repairs—without the stress. As a veteran-owned business, we operate with integrity and precision, guiding you through the entire process from inspection to final walk-through.
Storm damage? Don’t wait.
Call (972) 217-4633 or visit docsroofing.net for a free storm inspection and insurance support today.
