Yes. But most homeowners wait until they’ve had a professional roof inspection first — that way, you know whether damage exists and how severe it is before filing. Zilker Roofing inspects roofs before and after claims are filed.
Once you file with your insurer, they’ll assign a claim number and schedule an adjuster inspection. You’ll then receive a document called a Summary of Damages or Scope of Loss that lists everything the insurer agrees to pay for.
In most cases, no. Insurance companies already determine the pricing — the Summary of Damages includes pre-set prices. What matters is finding a contractor who will:
If your policy includes recoverable depreciation, the insurance carrier will hold back a portion of the payout until the job is completed. This is to ensure the work is actually done.
Not for hail or wind claims in Texas. Per state law, insurers cannot raise your rate or cancel your policy due to one weather-related claim. Your rates are based on regional loss trends — not just your claim.