The Insurance Claim Process
Navigating an insurance claim is the most confusing part of storm recovery. Here's what you need to know.
Why Claims Get Shorted
Insurance industry insiders estimate that 90% of claims are underpaid or shorted by 20-30%.
Desk adjusters miss damage
Adjusters working from photos miss things an on-site inspection would catch.
Incomplete documentation
Without photos, you can't prove what was damaged.
Policy misinterpretation
Insurers may apply the wrong coverage type.
Normal wear vs. storm damage
Insurers attribute damage to age rather than the storm.
Key Insurance Terms Explained
RCV (Replacement Cost Value)
Pays full cost to replace your roof with like materials. You get ACV first, then recoverable depreciation after work is done.
ACV (Actual Cash Value)
Pays depreciated value based on roof age. If your 20-year roof is destroyed, you get pennies on the dollar.
Deductible
Amount you pay before insurance kicks in. Often 1-2% of dwelling coverage.
Code Upgrade Endorsement
Coverage for bringing your roof up to current building codes (critical for older homes).
Recoverable Depreciation
The difference between ACV and RCV, paid after repairs are complete.
The 6-Step Insurance Claim Process
Initial Inspection (You/Your Inspector)
Document everything before the adjuster arrives. Your documentation sets the baseline.
Adjuster Inspection
The insurance adjuster inspects your roof. Having your inspector present is crucial—they can point out damage the adjuster might miss.
Estimate Preparation
The adjuster prepares an estimate using software like Xactimate. This becomes the basis for your claim.
Review and Negotiation
Compare the adjuster's estimate with your inspector's findings. If things are missing, you can request a re-inspection.
Claim Payment
You'll typically receive an initial check for the ACV amount. The remaining RCV (recoverable depreciation) comes after repairs are complete.
Repairs and Final Payment
After work is done, your contractor provides documentation, and insurance releases the final payment.
Red Flags: What to Watch For
🚩 Waiving your deductible
Illegal in Texas. Any roofer who offers to "eat" your deductible is committing fraud.
🚩 Storm chasers
Out-of-town crews who pressure you to sign immediately. Use local contractors with established reputations.
🚩 Pressure to file
If a roofer insists you file a claim without clear evidence, get a second opinion.
🚩 Cash-only demands
Legitimate contractors offer multiple payment options such as a certified/cashier's check. Note: this is not the same as preferring cash.
How a Drone Inspector Helps Your Claim
As an unbiased third party, I provide:
Need Help With Your Claim?
I can document your damage and support you through the claims process. No pressure. Just the truth.
This guide is for informational purposes only and does not constitute legal or insurance advice. Always consult with qualified professionals regarding your specific situation.