Roofing Giant · Guide
A hail or wind insurance restoration project commonly involves inspection, claim reporting, the insurer’s adjuster, repair estimates, construction and final documentation. Roofing Giant’s role is the roofing work: documenting observed damage, preparing the repair estimate, discussing technical scope and completing the project. We do not act as a public adjuster or negotiate policy coverage. For the broader contractor-role and documentation overview, see our roof insurance claims in Texas guide. For a homeowner checklist of the photos and written record to preserve after hail or wind, see Roof Inspection Documentation After Hail in Dallas.
How this page fits: this is Roofing Giant’s primary educational guide to the roof-insurance claim process. For a broader Texas overview see Roof Insurance Claims in Texas; for Roofing Giant’s contractor workflow see Insurance Restoration Process; for documentation and roofing-estimate help see Claim Documentation & Estimate Help; to share an existing claim securely use Claim Intake. Information only; Roofing Giant is a roofing contractor, not a public adjuster, and does not determine policy coverage or claim settlement.
The six steps
- Free 30-point inspection. We inspect every slope, document roof conditions and photograph relevant collateral conditions. You receive a written roofing report; your insurer determines whether any observed damage is covered under the policy.
- You file the claim; we build the estimate. You call your carrier with the storm date. We prepare a line-item estimate in Xactimate, the same software adjusters use, so the scope can be compared item by item.
- We can meet the insurer’s adjuster on the roof. Our roofing specialist can point out documented test squares and collateral damage and answer technical questions about the repair estimate and roofing scope.
- Estimate comparison and technical clarification. If the insurer’s estimate differs from our repair estimate on roofing quantities, code-related construction items or pricing, we can provide a documented revised estimate and discuss that technical construction information with the insurer or its adjuster. We do not negotiate policy coverage or settlement.
- Installation. If you choose Roofing Giant after the insurer’s coverage decision and the construction scope is authorized, we schedule the roofing work. Payment timing and ACV/RCV handling depend on your policy, insurer and signed construction agreement.
- Final invoice and project documentation. We provide the completion invoice and roofing documentation. Your insurer determines and processes any recoverable depreciation under the terms of the policy. We provide the completion invoice and applicable project warranty documents.
Texas rules that protect you
- Contractors may not pay, waive or rebate your deductible (Texas Business & Commerce Code §27.02). We will not, and neither should anyone else.
- You choose your contractor. Carriers may suggest a preferred vendor, but the choice is yours.
- Texas law sets claim-handling requirements and deadlines for insurers, but the exact timing can depend on the claim and circumstances. For a question about a specific deadline, check the policy and insurer or use Texas Department of Insurance resources.
- Read your policy for the wind/hail deductible, the settlement basis (RCV or ACV) and any roof payment schedule.
Run the numbers on your own policy with the deductible calculator, or share the roofing and claim information with us at insurance claim details.
Official Texas references: contractor/public-adjuster rules · insurance and your roof · deductible rules.
Claim questions
Will filing a claim raise my premium?
Premium and underwriting effects vary by insurer, policy, location and claim history. Ask your insurance agent or carrier how a weather claim could affect your policy before filing. The deductible calculator can help you understand the deductible amount, but it does not determine coverage or whether to file.
What if the insurer denies the roof claim?
Ask your insurer about its review or re-inspection options. Roofing Giant can provide the roofing inspection report, estimate and technical documentation and can attend a roof inspection when requested. For disputes about policy coverage or settlement, consider a licensed public adjuster or attorney.
Do you work with every insurance company?
Yes. We have worked with every major carrier writing homeowner policies in Texas since 2012.
For insurance professionals
Insurance agents who want a client-safe roofing resource can use the Insurance Agent Client Kit. It provides inspection, hail and homeowner-education links while keeping policy advice and coverage decisions in the insurance professional’s lane.
Project cases with documented storm context
Roofing Giant’s public project records include cases where storm context is explicitly supported by the historical file. These examples show roofing and restoration scope; they should not be read as statements about an insurer’s coverage decision unless a project page says so.
Texas deductible-law reference
For the current Texas rules on roof-insurance deductible payment, contractor waiver and rebate prohibitions, proof of payment, financing arrangements and the contractor/public-adjuster boundary, read Roofing Giant’s Texas Roof Insurance Deductible Law — 2026 Field Report.
Free 30-point inspection, repair estimate, adjuster meeting and technical roofing-scope documentation from Roofing Giant. Insurance coverage and settlement decisions remain with you and your insurer.Start with documented roof conditions.