How Roofing Insurance Claims Work in Houston: A Complete Guide

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Dealing with storm damage to your roof can feel overwhelming, but understanding the roofing insurance claim process in Houston can help you navigate it with confidence. If your roof has suffered hail or wind damage, you may qualify for a roof replacement covered by insurance, saving you thousands of dollars.

At Martin Roofing and Solar, we guide Houston homeowners through the entire insurance process—from initial inspection to final payout—making the experience seamless and stress-free. In this guide, we’ll outline each step of the process, explain the difference between ACV vs. RCV insurance policies, break down key insurance terms, and discuss how an insurance-covered roof replacement can save you thousands.

Step 1: Get a FREE Professional Roof Inspection from Martin Roofing and Solar

Before filing a claim, the first step is to have a free roof inspection from a trusted roofing company in Houston, like Martin Roofing and Solar. Many homeowners don’t realize they have storm damage until it worsens over time. Hail and wind can cause hidden issues, leading to leaks, mold, and structural damage.

What We Check During an Inspection:

✔ Hail impacts on shingles, metal flashing, and vents

✔ Missing, lifted, or creased shingles from wind damage

✔ Granule loss impacts on asphalt shingles (a sign of deterioration or hail)

✔ Soft spots or indentations on flat roofs

✔ Leaks and water damage

Once we assess the condition of your roof, we’ll let you know if it qualifies for an insurance claim. If there’s enough storm-related damage, we recommend filing a claim with your homeowner’s insurance provider.

Step 2: Contact Your Insurance Company & Schedule Them To Come Take A Look

If your roof has qualifying storm damage, the next step is to file a claim with your insurance company. Most insurance companies allow claims to be filed over the phone or through their website.

What Happens After Filing a Claim?

✔ The insurance company assigns an adjuster to assess the damage.

✔ They schedule an inspection date (typically within 3–14 days).

✔ You receive a claim number for tracking progress.

Step 3: Meeting with the Insurance Adjuster – Why We Should Be There

When your insurance adjuster arrives to inspect your roof, Martin Roofing and Solar should be present to ensure nothing is overlooked.

Why It’s Important to Have a Roofing Contractor Present

✔ We advocate for you by pointing out legitimate storm damage.

✔ Insurance adjusters may miss damage that we had noted.

✔ We ensure they correctly document all storm-related issues.

If the adjuster approves the claim, they’ll prepare a Scope of Work document outlining what’s covered under your policy. If the claim is denied, we can discuss requesting a reinspection.

Step 4: Understanding Your Insurance Scope of Work & Approval Process

Once your claim is approved, your insurance company will send you a Scope of Work document detailing:

✔ What’s covered in the roof replacement

✔ Estimated costs and payouts based on your policy type and what was approved

✔ Your deductible and depreciation breakdown

You’ll need to send this document to Martin Roofing and Solar so we can review it and walk you through it.

Step 5: Choosing Your Roofing Materials & Colors

After approval, it’s time to select your roofing materials and colors. Houston homeowners often choose:

✔ CertainTeed asphalt shingles (our most popular for multi-family and single-family homes)

✔ Metal roofing for commercial and industrial properties

✔ TPO or Modified Bitumen for flat roofs

For shingle selections, check out our blog post on Why We Recommend CertainTeed Roofing and Shingle Color Options to help you decide.

Step 6: Roof Replacement in Houston Day – What to Expect

On installation day, our team will:

✔ Protect your property with tarps and magnetic nail cleanup

✔ Remove the old roofing material and inspect decking

✔ Install your new CertainTeed, metal, or flat roofing system

✔ Perform a final quality inspection

For a detailed breakdown of what happens on roof replacement day, read our Step-by-Step Roof Installation Guide.

Step 7: Filing for Recoverable Depreciation & Final Payment

If you have an RCV policy, your insurance will hold back depreciation until the work is completed.

How to File for Recoverable Depreciation:

✔ We will submit our final invoice from Martin Roofing and Solar to your insurance

✔ Your insurance company releases the withheld depreciation

✔ You receive the remaining payout, and your roof is officially paid for

This final check from your insurance ensures your roof is fully covered per your policy terms with RCV.

ACV vs. RCV: Understanding the Difference & How It Affects Your Payout

One of the most important aspects of roof insurance claims in Houston is whether you have an Actual Cash Value (ACV) policy or a Replacement Cost Value (RCV) policy.

RCV (Replacement Cost Value) Policy – Best for homeowners in our opinion

✔ Pays for full roof replacement minus just your deductible

✔ Covers depreciation once work is complete

✔ You receive the most coverage possible

ACV (Actual Cash Value) Policy – Less ideal but the cheaper home insurance

✔ Pays for your roof’s current value (minus depreciation)

✔ You get less money the older your roof is

✔ You are responsible for the depreciation gap

Example Payout Comparison:

Roof Cost	Deductible	Depreciation	ACV Payout	RCV Payout (Final)
$15,000	$2,000	$5,000	$8,000	$13,000
$20,000	$2,500	$7,000	$10,500	$17,500

With an RCV policy, you get thousands more covered—saving money on your out-of-pocket roof cost. With an RCV policy, your total out of pocket costs should be just your deductible!

Common Insurance Terms Explained

✔ Deductible – The amount you pay before insurance coverage kicks in.

✔ RCV (Replacement Cost Value) – The total cost to replace your roof with new materials.

✔ ACV (Actual Cash Value) – The depreciated value of your roof at the time of loss.

✔ Depreciation – The amount insurance holds back until the work is completed on a RCV policy. The older your roof, the more the insurance company will have depreciated it.

✔ Recoverable Depreciation – The withheld funds that are paid out after installation and work is completed.

At Martin Roofing and Solar, we simplify everything so you understand your claim and maximize your insurance benefits.

How an Insurance Roof Replacement Saves You Money

✔ Pay only your deductible (a fraction of the roof cost) with an RCV policy

✔ Boost your home’s value with a brand-new roof for just a fraction of the cost

✔ Lower insurance premiums with a new roof, many home insurances will offer new roof discounts

✔ Prevent costly future repairs caused by undetected storm damage

Replacing your roof through insurance saves thousands compared to paying out-of-pocket.

What May Warrant an Insurance Claim?

hail damage insurance claim in houston roofing company

Hail Damage in Houston

✔ Dents on shingles, vents, and gutters

✔ Granule loss from hail impacts

✔ Cracks in shingles leading to leaks

Wind Damage in Houston

✔ Missing, lifted, or creased shingles

✔ Torn shingles or detached roofing materials

✔ Water leaks inside the attic

For more details, read our blog post Should I File a Roof Insurance Claim?.

Roofing Company in Houston that Offers Financing

While insurance may cover most of your roof replacement, some homeowners may still need additional financing options for deductibles, upgrades, or uncovered repairs. That’s why Martin Roofing and Solar offers flexible roof financing in Houston, ensuring that every homeowner can afford a high-quality roof without financial stress.

✔ Low monthly roof payment plans available

✔ Affordable options for deductibles and upgrades

✔ Quick approvals and hassle-free application process

Whether you need to finance a storm-damaged roof replacement or an upgraded roofing system, our roof financing in Houston helps make your project more manageable. Contact us today to explore your roof financing options in Houston!

Why Choose Martin Roofing and Solar? The Best Roofing Company in Houston

When it comes to insurance roof replacements in Houston, you need a roofing company that’s not only experienced but also dedicated to making the process seamless and stress-free. At Martin Roofing and Solar, we specialize in helping homeowners understand insurance benefits while delivering top-tier roofing services backed by craftsmanship and quality materials.

What Sets Us Apart?

✔ Locally Owned & Operated Roofing Company– We understand the unique weather challenges of Houston and its surrounding areas.

✔ Insurance Expertise – We guide you through every step, ensuring you understand every step.

✔ Storm Damage Specialists – From hail to hurricane-force winds, we know how to assess, document, and restore your roof efficiently.

✔ CertainTeed Certified Roofing Contractor – We use high-quality roofing materials designed for durability and performance.

✔ Hassle-Free Roof Replacement Process – We explain the entire process—from inspection to insurance payout—so you don’t have to worry.

✔ Flexible Roof Financing in Houston – If insurance doesn’t cover everything, we offer affordable financing solutions.

We’ve helped hundreds of homeowners in Houston get new roofs through their insurance policies, saving them thousands of dollars in out-of-pocket costs. If your roof has suffered storm damage, don’t wait—schedule a free inspection today and let us help you through the roof insurance claim process from start to finish.

📞 Contact Martin Roofing and Solar today for a FREE roof inspection and get the best roofing services in Houston!