Roof insurance claims, handled like we've done it 500 times.

Most homeowners file exactly one roof claim in their life. Insurance carriers file thousands a week. That imbalance is why so many homeowners end up with a check that doesn't cover the actual work. Homebase fixes that: we know the process, we speak the language, and we do the paperwork.

How does a roof insurance claim work? (5 steps)

Short answer: Get a free inspection, file the claim, meet the adjuster on the roof with your roofer, review the approved scope, and complete the work. On a covered claim, you pay only your deductible.

1. Free inspection. On your roof in under 48 hours. Written report, chalk-marked photos, honest verdict on whether you have a real claim.
2. File with your carrier. Usually a phone call or a claim on your carrier's app. We tell you exactly what to say — and what not to.
3. Adjuster meeting. We're on the roof with them. We walk them through the damage — not the other way around. This is where claims are won.
4. Scope and supplement. If the initial scope is short (it often is), we submit supplements with photos, invoices, and code references until the settlement covers the actual work.
5. Replacement and depreciation recovery. We finish the roof, submit the certificate of completion, and help you collect the RCV (Replacement Cost Value) minus depreciation you get back after the work is done.

What does the roofer handle, and what do you handle?

Short answer: We handle the inspection, photos, adjuster meeting, supplements, and the install. You file the claim, sign off on the scope, and pay your deductible.

How long do you have to file a roof claim in Texas?

Short answer: It depends on your policy, but many Texas policies set a deadline measured from the storm date. Check your policy and file as soon as you have an inspection report.

• Filing window: Texas gives you at least one year from date of loss; some carriers allow two. Don't wait — proof of the storm gets harder as time passes.
• Adjuster response: By Texas law, carriers must acknowledge a claim within 15 days and pay approved claims within 5 business days of acceptance.
• Depreciation recovery: Most policies give you 180 days to 2 years to complete the work and recover the depreciation portion. Don't leave money on the table.

What mistakes should you avoid on a roof insurance claim?

Short answer: Don't file before an inspection, don't let the adjuster walk the roof alone, and don't sign a porch contract. Never accept an offer to waive your deductible, because that's illegal in Texas.

• Filing before an inspection — 60% of "no damage" verdicts are reversed when a roofer is on the roof with the adjuster.
• Accepting the first ACV check as final — the RCV difference is often thousands.
• Signing your carrier's preferred-contractor agreement — you can pick your own roofer in Texas.
• Waiting past your policy's completion window and losing the depreciation.

Frequently asked insurance claim questions