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When your roof gets damaged by hail, strong winds, or a falling tree, filing a roofing insurance claim can help cover the cost of repairs. But if you’ve never done it before, the process might seem confusing and even a little stressful.
Don’t worry. If you’re in Tomball or nearby areas, this guide will walk you through everything step by step. We’ll show you how to handle a claim, what to expect, and how to get the most out of your policy.
What’s a Roof Insurance Claim?
A roofing insurance claim is simply a request you make to your insurance company to help cover the cost of fixing your roof. Most policies cover things like hail, wind, and storm damage but they don’t cover normal wear and tear.
If you’re not sure what your policy covers, don’t worry. Just give your insurance agent a quick call and ask them to explain it in plain language.
When Should You File an Insurance Claim?
You should file a claim if you notice:
- Missing or broken shingles
- Dents or cracks from hail
- Leaks or water stains inside your home
It’s important to act fast because most insurance companies have deadlines. Even if you’re not sure how bad the damage is, it’s smart to have a professional come out and check. Some damage isn’t easy to see from the ground, but it can lead to bigger (and more expensive) problems later.
How to File a Roofing Insurance Claim
Here’s a simple step-by-step process you can follow:
1. Take Pictures
Snap clear photos of the damage—both on your roof and inside your home if you see leaks.
2. Call Your Insurance Company
Let them know what happened. They’ll guide you on what to do next and send out an adjuster to inspect the damage.
3. Call a Trusted Roofer
This step is super important. A good insurance roofing company can do their own inspection and give you a detailed report. Sometimes, they can even catch damage the adjuster misses.
4. Get an Estimate
Ask your insurance roofing company for a written estimate of the repair or replacement cost.
5. Review the Insurance Offer
After the adjuster looks at your roof, your insurance company will send you a settlement offer. Make sure it matches your roofer’s estimate.
6. Schedule the Repairs
Once everything is approved, go ahead and schedule the work.
Why Work With a Local Roofing Company?
Filing a roofing insurance claim can feel confusing, and unfortunately, insurance companies don’t always offer enough to cover everything. That’s why having a trusted roofer on your side makes all the difference.
At P91 Roofing, we’re experts in dealing with insurance claims. We’ll inspect your roof, help you understand your policy, and make sure you get what you deserve.
Why Choose P91 Roofing?
If you live in Tomball or nearby, here’s why your neighbors trust us:
- Faith and Expertise: We treat your home like it’s our own.
- Free Estimates: Our insurance roofers will tell you what you need, no strings attached.
- Insurance Claims Expertise: We help you navigate the process and make sure you get what you deserve.
- Best Hail Damage Inspections: We know how Texas hail can damage roofs, and we’re the best at finding it.
- 5-Star Google Rating: Our customers love us, and we work hard to earn their trust.
Quick Tips to Make Your Claim Easier
- File your claim as soon as possible after the damage.
- Keep all your paperwork, photos, and emails organized.
- Be at home when the adjuster comes, so you can point out damage.
- Have your insurance roofers there during the inspection, too, to make sure nothing is missed.
Let P91 Roofing Help You!
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You don’t have to figure this out alone. If your roof has been damaged by hail, wind, or a storm, P91 Roofing is here to help. We’re proud to serve Tomball and the surrounding Texas communities with honest, expert roofing services.
We’ll handle the tough parts of the insurance process and make sure your roof gets the care it needs — all while keeping it stress-free for you.
Call today for your FREE estimate and let us help you get started on your insurance claim!