Understanding the Insurance Process for Roof Repairs & Roof Replacement in Texas

In Texas, severe weather isn’t a matter of if - it’s when. Hailstorms, high winds, and severe thunderstorms regularly damage roofs across the state, especially in North Texas. When that happens, homeowners are often forced to navigate a confusing insurance process at the exact moment they need clarity the most.

At Rivertop Roofing, we help homeowners understand the roof insurance replacement process from start to finish - so you’re not left guessing, stressing, or leaving money on the table.

Why the Roof Insurance Process Feels So Complicated

Most homeowners file only one or two insurance claims in their lifetime. Insurance companies, on the other hand, handle thousands every year. That imbalance alone can make the insurance roof replacement process feel intimidating.

Add unfamiliar terms like ACV, RCV, depreciation, scope, and supplements, and it’s easy to see why homeowners feel overwhelmed.

The good news? The process itself is fairly consistent - and with the right roofing contractor involved early, it becomes much smoother.

Overview of roof replacement insurance process.

Below is a step-by-step look at how a typical insurance claim for roof repair or replacement works in Texas.

1. Storm Damage Occurs

A covered event: hail, wind, or another peril - damages your roof or exterior.

2. Roof Inspection by Rivertop Roofing

A Rivertop Roofing specialist performs a no-obligation inspection to determine whether the damage qualifies for an insurance roof replacement or repair. We inspect not just shingles, but vents, flashing, gutters, and other components insurers often overlook.

3. File the Insurance Claim

If damage is present, you contact your insurance carrier to open a claim and provide the storm date.

4. Adjuster Inspection

Your insurance company sends an adjuster to inspect the property and determine what they believe is damaged.

Pro Tip: It’s strongly recommended that your roofing contractor be present during the adjuster meeting. At Rivertop Roofing, we attend adjuster inspections to ensure storm-related damage is properly documented.

5. Scope of Loss Issued

If approved, the insurance carrier provides a scope of loss - this is a document listing what they’re paying for and how much.

6. ACV Payment Released

The carrier issues the Actual Cash Value (ACV) payment, which reflects depreciation based on the roof’s age and condition.

If you have a mortgage, checks may require endorsement by your mortgage company - this can add extra time but Rivertop Roofing knows exactly how to navigate this process for you.

7. Scope Review & Supplements

Rivertop Roofing reviews the scope line by line to confirm:

• Fair market pricing is used

• All damaged components are included

• Local building code requirements are met

If items are missing or underpaid, we help you identify supplements - additional funds needed to restore your home properly.

8. Roof Repairs or Replacement Begin

Once approved, work begins. A partial payment is typically collected at this stage.

9. Final Invoice & Depreciation Release

After completion, the final invoice is submitted. The carrier then releases any recoverable depreciation and approved supplements.

10. Project Close-Out

You receive:

• Final receipt

• Manufacturer & workmanship warranties

• Any required documentation (including impact-resistant roof certification, if applicable)

  
  

Recent roof replacement in Princeton, TX completely paid for by homeowner's insurance carrier.

Your Rights as a Texas Property Owner

Under Texas Administrative Code Section 5.9970 (d) & (e), you have the legal right to choose your roofing contractor.

You are not required to:

• Use an insurance “preferred contractor”

• Obtain multiple bids

• Choose the lowest estimate

Your home. Your policy. Your choice.

Important Texas Insurance Law Changes

In 2017, House Bill 1774 (SB 10) - often called the Blue Tarp Bill - changed how insurance disputes work in Texas. Due to this law:

• Contractors are limited in how they can communicate with insurance companies

• Only licensed Public Adjusters and attorneys can formally advocate on your behalf

This makes it even more important for homeowners to:

• Stay involved in the claim

• Understand their policy

• Work with a knowledgeable roofing contractor as a resource

Rivertop Roofing focuses on education, documentation, and transparency, helping homeowners confidently navigate the insurance process without crossing legal boundaries.

Helpful Resources for Texas Homeowners

• Texas Department of Insurance – Consumer Bill of Rights, FAQs, policy explanations

• National Roofing Contractors Association - A leading voice for roofing professionals, offering education, advocacy, standards (like ProCertification), and resources for contractors, manufacturers, and others in the roofing industry.

These organizations provide valuable information on roofing standards, insurance terms, and consumer protections.

Why Homeowners Choose Rivertop Roofing

Rivertop Roofing isn’t just here to install shingles - we help homeowners protect their biggest investment.

✔ Thorough insurance-ready inspections

✔ Adjuster meeting support

✔ Detailed scope reviews

✔ Code-compliant roof replacements

✔ Clear communication from start to finish

Whether you’re filing your first roofing insurance claim or navigating a complex insurance roof replacement, our team is here to help every step of the way.

Have Questions About Your Roof or Insurance Claim?

Contact Rivertop Roofing today for a free inspection and honest guidance through the insurance process. No pressure. No guesswork. Just solid roofing and straight answers.