Navigating the roof insurance claim process can feel like walking through a maze. Many homeowners unintentionally make costly mistakes that lead to denied or underpaid claims. At Roam Roof & Solar, we help you avoid these pitfalls by providing expert guidance from the start. Below, we cover the five most common mistakes—and how you can steer clear of them to protect your home and finances.
1. Missing the Filing Deadline
Insurance companies typically give homeowners 6 months to 1 year to file a claim after a storm, but some policies have shorter deadlines. Waiting too long to inspect your roof can result in missed damage and lost opportunities to file a valid claim. Even small roof issues can worsen over time and become costly to repair.
Solution: Schedule a free roof evaluation with Roam Roof & Solar as soon as possible after a storm. We’ll assess any damage early on, so you don’t risk missing your claim window.
2. Failing to Properly Document Damage
Submitting incomplete or inaccurate documentation is a frequent reason for delayed or denied claims. Homeowners often overlook areas of damage, which can cause their insurance payout to fall short. Having professional reports, detailed photos, and thorough inspections is crucial to getting the compensation you deserve.
Solution: Roam Roof & Solar will provide you with a comprehensive damage report that includes photos, videos, and an itemized list of repairs, ensuring your insurance company has all the evidence they need to process your claim quickly.
3. Accepting the First Settlement Offer without Question
Insurance companies may offer an initial payout that doesn’t cover all your roof damage. Many homeowners accept these low offers without understanding their full scope of loss, only to find out later that their repairs were underfunded. We review over 1000 claims a year and we’ve found that initial estimates are underpaid by 20% on average.
Solution: Trust Roam Roof & Solar to review the insurance estimate with you. We’ll ensure nothing was overlooked and help you communicate with your insurance company to ensure any corrections happen as quickly and smoothly as possible.
4. Hiring Unqualified Contractors
In Texas, there’s no state-issued roofing license, which makes it even more important to choose a roofer with the right certifications and accreditations. Hiring contractors without proper manufacturer certifications, such as GAF Master Elite status, can limit your access to enhanced warranties and high-quality installations. Additionally, organizations like the Roofing and Solar Reform Alliance (RSRA) and Roofing Contractors Association of Texas (RCAT) vet roofing companies for professionalism and ethical practices.
Solution: Roam Roof & Solar holds GAF Master Elite certification, allowing us to offer the best warranties available. We’re also part of the RSRA and RCAT, ensuring that our practices meet the highest industry standards.
5. Overlooking Policy Changes and Exclusions
Insurance policies have changed significantly in recent years, with many companies implementing higher deductibles, exclusions, and Actual Cash Value (ACV) policies. These changes can leave homeowners with more out-of-pocket expenses, especially if they choose the cheapest roof option instead of investing in a more resilient system that lasts longer.
Solution: We understand the latest policy trends and can help you choose the best roofing options—such as impact-resistant Class 4 shingles—that may even qualify for insurance discounts and keep you from having to replace your roof everytime quarter sized hail drops from the sky. Plus, we offer simple financing plans to help you invest in a more durable roof without breaking the bank.
Avoid Costly Mistakes with Roam Roof & Solar
Filing a roof insurance claim can be complicated and frustrating, but with the right partner by your side, you can avoid the common pitfalls that lead to delays, denials, and underpayments. At Roam Roof & Solar, we offer free roof evaluations, professional documentation, and expert support throughout the claims process.
If your roof has been damaged or you suspect hidden issues after a recent storm, contact us today for a no-pressure consultation. Don’t risk making these mistakes—let us help you navigate the process and protect your home with confidence.
For reliable roofing services in Killeen, Temple, Belton, and all of Central Texas, reach out to Roam Roof & Solar at 254-877-ROOF or visit roamroof.com. Let us help you protect your home with quality roofing built to withstand Texas weather.
