Insurance Claim Assistance in Katy, Texas

Helping Houston Metro Area Customers File Claims, Get Compensation, and Repair Their Roofs

Has your roof been damaged or destroyed by a storm or disaster that may be covered by your insurance policy? Onit Roofing is here to help! Our team has extensive experience working with insurance companies and can help you get the coverage you deserve. 

We understand how overwhelming and confusing it can be to deal with insurance providers, so our team will take care of documentation, communication, and more. You don’t have to worry about a thing - just let us do the work for you. From filing claims to helping you get the amount of coverage due from your policy, Onit Roofing is here to make sure that your rights and your property are protected and respected throughout the entire process. 

What is covered under my homeowner’s insurance policy for roof damage?

Coverage typically includes damage caused by storms, hail, wind, fire, and other "perils" specified in the policy. It usually does not cover wear and tear, neglect, or maintenance issues.

Always check your specific policy to determine your coverage type. Depending on your policy your coverage might be for the replacement cost value (RCV) of the roof or its actual cash value (ACV):

• Replacement Cost Value: Pays to replace your roof without deducting for depreciation.
• Actual Cash Value: Pays the depreciated value of the roof, which could be significantly less than the replacement cost.

How do I know if I need to file a claim?

Consulting with a roofing professional for an assessment can help determine the severity of the damage and if a claim is necessary. Hail and wind damage can be difficult to see from the ground. Small, minor damage (like a few missing shingles) might be less costly to repair out-of-pocket than your deductible. Take photos and videos of the affected areas to have clear evidence of the damage. Your insurance agent can provide guidance on whether filing a claim is advisable given your specific situation and policy details.

How long does it take to process a roof insurance claim?

The timeline can vary but generally it takes anywhere from several days to weeks for the insurance company to inspect the damage once a claim is filed. Depending on the complexity of the claim and the responsiveness of the insurance company the claim could be processed and approved within a few days. 

Can I get temporary repairs done while waiting for the claim to be processed?

Yes, most policies allow for emergency or temporary repairs to prevent further damage. Inform your insurance company about the damage and the temporary repairs you’ve made. Keep all receipts and documentation to submit for reimbursement.