Roof Insurance Claims

If you are a homeowner looking for a trustworthy roofing company in Houston, there is a good chance that your home has been damaged by wind or hail from a recent storm. Thousands of roofs are replaced each year in Houston due to this damage. These roof replacements are usually covered by your homeowner’s insurance policy.


Quite often, these wind or hail claims are the first and last claim that homeowners will ever file with their insurance company. To navigate this process, it is beneficial to have a representative from Perkins Preferred to guide you through the claims process. We are here to help you whether you have recently filed a claim, received an insurance settlement, or want to know whether it makes sense to pursue an insurance claim.


Steps for Filing an Insurance Claim for Your Home:
Always start with a free, no-obligation roof inspection if you think you have wind or hail damage to your home.
A representative from Perkins Preferred can assist you when you file your claim. Your insurance company will likely ask if your roof has been inspected and if you have selector a contractor. Keep in mind, you can work with any roofing company you wish. It is entirely your choice.
It is so important to have your roofer present when the adjuster inspects your roof. When they inspect the roof together, they are more likely to find the damage that is covered by your insurance policy. This will save you valuable time with back and forth phone calls and re-inspections.
Once your insurance company approves your claim, you will need to schedule your roof placement. Depending on the weather, this should be done within five days of receiving your first check from your insurance company. A complete roof replacement typically takes 1-2 days.
Your insurance company provides a detailed scope of loss that we use as a monetary guide to complete the repairs to your home.

Need Help With Your Insurance Claim?


Customers ask us regularly if it is possible for us to waive their deductible. We understand why they do. It used to be completely legal and common practice! In the past, homeowners received one lump sum from their insurance company. It was entirely up to the homeowner whether they even made repairs to the home. Today, insurance claims work differently. Most homeowners have Replacement Cost Value (RCV) provisions that break down the full payment of their claim into multiple checks. In order for a homeowner to receive the full payment, they must use a contractor to bill the insurance company directly.

Here’s a scenario to help explain the process: The adjuster determines that to replace the roof it will cost $10,000. However, two things are subtracted from this $10,000, the deductible and any depreciation depending on the age of the roof. For the sake of round numbers, let’s say that the deductible is $2,000 and the depreciation is $3,000. This amount is subtracted from the $10,000 and thus, the insured is given a primary check for $5,000. In order for the homeowner to recoup the $3,000 in depreciation, a roofing contractor has to send the insurance company an invoice of at least $10,000. Once the insurance company receives this invoice, the homeowner will receive a secondary check for $3,000


This is where Perkins Preferred chooses not to compromise our ethics.


A homeowner’s insurance policy is a contract between the insurance company and the homeowner. The homeowner pays a premium in exchange for protection from catastrophic damages. If the insurance company fails to pay a claim for such damages, the homeowner can seek legal remedies for breach of contract. Likewise, your insurance company has legal protections if you fail to meet your obligations (i.e. you and your contractor provide false information so that the homeowner can save money on the deductible).


Often times a roofing contractor will cut a check back to the homeowner in exchange for putting a sign in the homeowner’s yard and call it “advertising.” Technically, this would require that a Form-1099 be issued to the homeowner since the IRS requires that all transactions greater than $600 be declared. The homeowner would then be required to pay taxes on this amount of money.


Most importantly, insurance companies use a program to determine the exact amount it costs to repair your home. This program determines the material and labor (even the number of nails!) that is needed for repairs and then prices this according to your current market area. If a roofing company offers to cover your deductible, they will use inferior products and cut corners to offset the loss!!!

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