We know dealing with insurance companies is confusing and stressful. So we climb up, photograph every hit, file the paperwork and stand next to the adjuster on your roof. You get a new roof. We do the arguing.
Family run out of Katy, TX. We speak English, Spanish, Portuguese and Vietnamese.
Rather talk it through? Call (281) 783-4481
Family run out of Katy, TX. We speak English, Spanish, Portuguese and Vietnamese.
Why homeowners call us
Filing a storm claim on your own means guessing at policy language, meeting an adjuster who works for the insurer, and hoping you get a fair number. Here is what changes when we handle it.
When the claim is approved, your insurance covers the replacement. The deductible is due on the first day of install. No hidden line items, no surprise invoice at the end.
Most claims are denied because nobody proved the damage. We photograph every bruised shingle, every dented vent and every lifted edge, then put it in a report the adjuster cannot wave away.
When your insurer sends someone out, our representative is up there too, pointing at the hits. You do not have to argue with anyone or learn what a test square is.
Materials carry the manufacturer warranty. Our workmanship carries ours. Your warranty documents arrive within 10 business days of final payment.
How it works
No mystery, no runaround. This is the whole process, start to finish.
Step one
We come out, get on the roof and check it properly. If there is storm damage worth a claim, we show you the photos and tell you straight. If there is not, we tell you that too.
Step two
You call your insurance company with the date of the event, the type of damage and the condition of the property. We give you exactly what to say. It takes about ten minutes.
Step three
Your insurer assigns an adjuster and schedules an inspection. Our representative meets them on site, walks the roof with them and makes sure every hit lands in the damage report.
Step four
Once the claim is approved we pull the permits, order the materials and schedule the install. You pay your deductible on the first day. Your warranty arrives within 10 business days of final payment.
When the adjuster comes out, you are not the one on the ladder.
Two people look at the same shingle at the same time. That is how a hit ends up in the report instead of in an argument.
What we look for
Homeowners tell us the roof looked fine, so they never called. Then the deadline passed. Here is what actually ends a roof.
Hail knocks the protective granules loose and leaves a soft, dark bruise in the mat underneath. From the driveway the roof looks fine. From four feet away it is a claim. This is the single most missed form of storm damage in Harris County.
Little black grains collecting at the downspout mean the shingle surface is coming apart.
Wind breaks the seal strip. The shingle lies back down and looks normal until the next storm takes it.
Soft metal shows hail first. If the vents are dimpled, the shingles took the same beating.
By the time water reaches drywall it has been in the decking for a while. Do not wait on this one.
Our own crew, our own underlayment, on a roof in Katy.
We do not hand your roof to whichever subcontractor is cheapest that week. The people in this photo are the people who show up at your house.
If you need a fast and reliable company to work on your home, Amarillo is the company you should call.
Time works against your claim
Texas law generally gives you two years to bring a claim, but that is not the deadline that catches people. Your own policy is. Most Texas policies require prompt notice of loss, and many carriers read that as 90 to 180 days from the date of the storm.
Miss that window and the conversation changes. Instead of paying for hail damage, the insurer starts calling it wear and tear, or blames a different storm you cannot prove. An inspection today costs you nothing and keeps the door open.
This is general information, not legal advice. Deadlines depend on your carrier and your policy. Read your policy or ask your agent, and see the Texas Department of Insurance for guidance after a storm.
Days 1 to 90
The strongest position. The storm date is documented, the damage is fresh and nobody can argue about the cause.
Months 6 to 12
Still filable in most cases, but expect harder questions about why you waited and what else happened in between.
After a year
Denials get common. Adjusters attribute worn granules and lifted shingles to age instead of a specific event.
Or call (281) 783-4481 and talk to a person.
Straight answers
If yours is not here, call us and ask. We would rather talk you out of a bad claim than sell you a roof you do not need.
The inspection is free and carries no obligation. If the claim is approved, your insurance pays for the roof replacement and you pay your deductible. It is due on the first day of installation. If we find nothing worth claiming, you owe us nothing.
That depends on your carrier and your policy, and nobody can promise you otherwise. Insurers generally treat weather claims differently from at fault claims, and widespread hail events affect an entire area rather than one household. Your agent can tell you how your specific policy handles it. We will never pressure you into filing.
Texas law generally allows two years, but your policy usually sets a much shorter notice window, often 90 to 180 days from the date of loss. That policy deadline is what usually matters. The sooner you have the roof inspected, the stronger the claim.
No. Denials often come down to thin documentation or an adjuster who missed the damage. We inspect the roof, build a proper photo report and help you request a reinspection. We cannot guarantee an outcome, but a denial is not the last word.
Age alone does not. What matters is whether a specific storm caused specific damage. That said, an older roof makes documentation more important, because wear and tear is the first thing an insurer will point to.
It helps, but it is not required for the roof itself. We do want to walk you through the photos afterward, so most people schedule a time when they can spend fifteen minutes with us at the end.
Most single family roofs in our area go on in one day, occasionally two. We pull the permits, order the materials and give you a firm install date before anyone shows up with a nail gun.
Our crews speak English, Spanish, Portuguese and Vietnamese. Call (832) 800-2848 for Vietnamese.
Where we work
Not on the list? Call (281) 783-4481. If we can get a truck there, we will.
Answer four quick questions and we will call you back, usually the same business day. No sales pitch, no pressure, no cost. If your roof is fine, we will tell you it is fine.
Rather talk it through? Call (281) 783-4481
