Roof Inspection for an Insurance Claim in Texas
Before you file a roof claim, you need to know what is actually damaged. GemSco inspects your roof, documents it with photos and gives you a written estimate. Your policy and your insurer decide the rest.
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What an inspection does and does not do
A roof inspection tells you whether there is storm damage, where it is and how much of the roof it affects. That is the information you need to decide whether filing a claim makes sense.
An inspection does not decide coverage. Whether any repair or replacement is covered depends on your policy and on your insurance company's decision after its own adjuster reviews the roof. No contractor can promise that outcome, and you should be wary of anyone who does.
How GemSco inspects for a claim
Roof walk
We inspect shingles, ridge caps, flashing, vents and gutters for hail and wind damage.
Photo documentation
We photograph what we find, so you have a clear record of the damage and where it is.
Written estimate
You receive a free written estimate for the repair or replacement the damage calls for.
Your next step
With the photos and estimate in hand, you decide whether to contact your insurer.
Terms to know before you file
Deductible
The amount you pay before your policy pays anything. Many Texas policies have a separate deductible for wind and hail. Check yours.
ACV vs RCV
Actual cash value pays the depreciated value of the roof. Replacement cost value pays to replace it, often in stages. Your policy says which applies.
Filing deadlines
Policies set time limits to report damage. Report as soon as you know about it.
Your deductible is yours
Texas law prohibits contractors from waiving or paying your deductible.
What to document yourself after a storm
The date of the storm and photos of hail on the ground if you have them.
Damage to gutters, downspouts, window screens, siding and outdoor equipment.
Any water stains inside, with the date you first saw them.
Temporary repairs you make, such as a tarp, with receipts.
Every call and email with your insurer, with names and dates.
Coastal homes and impact-resistant roofs
If your home is in the catastrophe area designated by the Texas Department of Insurance, a new roof or repair needs a windstorm inspection and WPI-8 certification to be eligible for TWIA coverage. Confirm your address before work starts.
If you are replacing the roof anyway, ask your insurer whether it offers a premium discount for shingles rated UL 2218 Class 4 for impact. Learn more on our hail damage roof repair and roof insurance claims pages.
If your claim is denied
A denial is not always the last word. Read the letter, ask the insurer for the specific reason in writing and review your policy language. Our guides on what to do if your roof claim is denied and common reasons claims are rejected walk through the options.
GemSco also offers the Green Roof program, which pairs roofing with a solar installation. Ask us whether it fits your situation. Call (844) 980-5506 for a free inspection.
Frequently Asked Questions
Will my insurance pay for a new roof after hail?
That depends on your policy and on your insurer's decision after its adjuster inspects the roof. Your deductible, whether the policy pays actual cash value or replacement cost, and the extent of the damage all matter. GemSco can inspect, document the damage with photos and give you a written estimate to support your decision.
Should I get a roof inspection before I call my insurer?
Many homeowners do, because it tells them whether there is real damage before they file. A claim for damage that turns out to be minor, or below your deductible, may not be worth filing. An inspection with photos gives you facts to decide with.
Does GemSco deal with my insurance company?
We inspect your roof, document the damage with photos and provide a written estimate you can share with your insurer. Coverage decisions are made by your insurance company under the terms of your policy. Ask us how we can help during your claim when we come out for the inspection.
What is the difference between ACV and RCV on a roof claim?
Actual cash value pays what the roof is worth after depreciation, so an older roof gets less. Replacement cost value pays to replace it, often with a first payment and the rest after the work is done. Your declarations page says which one applies to your roof.
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GemSco Roofing & Solar serves Houston, DFW, Austin, San Antonio and surrounding areas. We’re family owned and fully licensed and insured.