Roof Replacement & Insurance Claim Experts - Zilker Roofing

Will Insurance Pay for My Roof?

What Types of Roof Damage Are Covered by Insurance?

Most Texas homeowners insurance policies cover roof damage caused by sudden, accidental events — like hailstorms or wind. Commonly covered issues include:

  • Hail impacts that damage shingles or underlayment
  • Wind tearing off shingles, flashing, or vents
  • Fallen tree limbs during storms
  • Fire or lightning strikes
Roof Insurance Claims Process
Hail Damage Inspection
Schedule a Booking

What Isn’t Covered?

Insurance typically doesn’t pay for wear and tear, aging, or maintenance issues. Exclusions may include:

hourglass

General deterioration or old age

Improper installation or manufacturer defects

Leaks that develop slowly over time

Cosmetic damage only (depends on your policy)

Repair vs. Replacement
Common Roof Repairs

What If the Roof Is Old but Hail-Damaged?

Even if your roof is 10–15 years old, your policy may still cover storm damage. Texas insurers must cover legitimate storm damage regardless of roof age — unless specifically excluded.

  • We help document condition before and after
  • We confirm whether the damage warrants a claim
  • We assist in reviewing the Summary of Damages (insurance scope)
Summary of Damages

Can My Rates Go Up for Filing a Claim?

Not in Texas — not for hail or wind. Per state law, your insurer cannot raise your premium or cancel your policy due to a single weather-related claim.

Your rates are based on regional risk, not just your home

Filing a claim is your right as a policyholder

You’re not penalized for using your coverage responsibly

Roof Insurance Claims FAQ

Still Unsure if You Should File?

That’s common — and we’re here to help. If you’re seeing signs of roof damage:

  • We’ll inspect the roof thoroughly
  • We’ll help you understand if a claim is warranted
  • You decide what’s next — no pressure
  • Testimonials

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FAQs – Will Insurance Pay for My Roof? in Austin, TX

How long do roofs typically last?

Most roofs last between 20 to 30 years, depending on the material and level of maintenance.

 
What steps are involved in a comprehensive roof inspection?

A thorough inspection includes examining shingles, flashing, ventilation, gutters, and checking for leaks or structural damage.

 
What is the process for scheduling a roofing project with Zilker Roofing?

You can call us or fill out our online form to book a free consultation and roof inspection.

Do you Offer Warrantied Roofing Work?

Yes, all of our work is warrantied. We rebuild your roof to last. We use the best materials and installation, and we stand behind coming back to address any of your concerns. You can feel safe knowing we totally have your best interest in mind.