Roof Insurance Claims

Storm damage? Hail damage? We handle your insurance claim from inspection through final payment β€” you focus on your family, we handle the paperwork.

Insurance Claims

We Fight for Your Full Claim

After a storm, the insurance claim process can feel overwhelming. Insurance adjusters β€” as professional as they may be β€” work for the insurance company. S&K Roofing's insurance specialists are in your corner, ensuring every legitimate damage item is properly documented and included in your claim settlement.

We've helped hundreds of Austin homeowners recover the full value of their claims β€” including items originally missed by the adjuster. Our thorough, photo-documented inspection reports are respected by every major insurance carrier operating in Texas.

Free post-storm roof inspection with photo documentation
Direct adjuster coordination β€” you don't have to be on the call
Experience with State Farm, Allstate, USAA, Travelers & more
We identify damage adjusters commonly miss
Zero cost if your claim is denied β€” we only win when you win
Supplement claims filed when underpayment occurs

Insurance Claim Specialists

The Process

How We Handle Your Claim

1

Free Storm Damage Inspection

S&K sends a certified inspector to your property. We document every damage item β€” shingles, flashing, gutters, drip edge, skylights β€” with high-resolution photos and measurements.

2

Claim Filing Support

We help you file your claim with the correct documentation right from the start. A properly filed initial claim sets the foundation for a successful settlement.

3

Adjuster Meeting

Our insurance specialist attends the adjuster inspection at your property. We walk the roof together and ensure every documented damage item is noted on the adjuster's scope.

4

Estimate Review

We review the insurance estimate line by line and identify any items that were missed, underpriced, or excluded. If necessary, we file a supplement claim on your behalf.

5

You Approve Your Scope

Once the insurance estimate is finalized, you review and approve the scope of work. No surprises β€” you know exactly what's being replaced before we start.

6

Professional Installation

Our crews complete the work to the exact approved scope, using code-compliant materials and our standard quality processes. Full documentation provided for your insurance carrier.

7

Final Payment

You release the remaining insurance payment (RCV minus deductible) after job completion. We handle the recoverable depreciation process if applicable.

FAQ

Insurance Claim Questions

Hail damage often isn't visible from the ground. If Austin had a severe storm in the past year and your roof is over 5 years old, a professional inspection is worth scheduling. We'll give you an honest assessment of whether you have a legitimate claim.
In Texas, a weather-related claim generally cannot be the sole basis for cancellation or non-renewal of your policy. Premiums may adjust at renewal, but your deductible β€” which you've been paying for β€” exists precisely for situations like this.
Your deductible is your out-of-pocket responsibility. Texas law prohibits contractors from waiving deductibles β€” this is fraud. Any contractor offering to waive your deductible is engaged in illegal activity that could void your policy.
Texas law generally gives you 1 year from the date of damage to file a claim (some policies extend to 2 years). However, we strongly recommend filing within 30–60 days for the best outcome. Don't wait.
This is called an underpayment, and it's common. We review insurance estimates carefully and file supplements when items are missed or undervalued. Most homeowners are owed more than the initial settlement.

Free Storm Damage Inspection

We come to you, document everything, and tell you honestly whether you have a claimable loss β€” at zero cost to you.