Investing in roof maintenance is one of the best things you can do if you want to save money from roof repairs and replacements in the future. Nonetheless, some situations are either unpredictable or unstoppable and when those situations strike, you have to spend some money on roof repairs.

We are, of course, talking about things such as hail damage, storm damage, and wind damage. However, what can you do if you don’t have enough money to repair the roof? The answer is to file a roof insurance claim to get enough money for the replacement or repairs needed.

Unfortunately, many people are scared to contact their insurance company to claim their homeowner’s insurance since they think that could cause problems, such as losing discounts in the future. The truth is that even if the process to contact your insurance company can be stressful, you should do it.

Do you want to benefit from homeowners insurance? It’s time to contact a roofing contractor to help you with the matter. Here at Austin Roofing & Water Damage | WDR, we are happy to help you, so call us and tell us how we can help you!

Related Article: How To Get Storm Damage Roof Repair From Your Insurance Company

How Prone Are People to Suffer from Roofing Damage in Austin?

As we mentioned before, homeowners insurance is there to help you when unforeseeable issues damage your roof, but how prone are those issues to happen in Austin?

You have to consider the time of the year we are in since everything depends on the weather. Regarding hail, hail, for example, is not as common as other weather phenomena that could damage your roof. The last hail in Austin was on March 21, 2022.

On the contrary, thunderstorms are much more common in this city, so storm damage could be a good reason to contact your insurance company and file a roof damage claim. Austin gets several sudden storms throughout the year, so insurance companies are used to roof insurance claims coming from this problem.

Wind damage is prone to happen in April since it’s one of the windiest months of the year in Austin. However, you shouldn’t worry about things such as tornadoes or hurricanes since, although they can and have happened, they are not as common as other thunderstorms or other weather phenomena.

roofing contractors replacing a roof

Is the Roof Insurance Claim Process Complex? How to Deal with the Insurance Company

The short answer is that it depends on how severe the roof damage is and the insurance adjuster you deal with. On a basic basis, the process to contact your insurance company and file a roof damage claim shouldn’t be that complex, and you should only need to file the claim and get the benefits of it.

Nevertheless, insurance companies don’t approve all insurance claims, so things get a bit trickier if you want to make a roof damage claim you know your insurance company will approve. This often includes handling some paperwork and studying your insurance policies and what they cover.

Going through the insurance claim process becomes much easier when you rely on a roofing contractor or insurance agent who can help you deal with the insurance company. The reason for that is they will explain every step of the process to you and tell you what you should do to avoid making any mistakes while filing the claim.

When addressing other situations, such as car insurance, people have even called lawyers to help them get the insurance company to get them the money they deserve since insurance companies often do what they can to avoid paying for insurance claims.

Regardless of that, you should be good to go with a decent roofing contractor or an insurance agent.


Can I Get the Actual Cash Value of What I Lost with a Roofing Damage Insurance Claim?

Actual cash value coverage is one of the things people benefiting from homeowners insurance aims for when filing a roof damage claim. The reason for this is many insurance policies don’t pay you the value of what your roof may have cost you in the past but rather what it’s worth today.

Setting cars as an example, if you got a car for $10,000 when the car just came out, and five years later the car is worth $7,000, the insurance company will give you $7,000 for the accident, which is $3,000 short of what you invested in the first place.

Nonetheless, if you have actual cash value coverage, you can get the full replacement cost of what you need to pay for the roof, so you won’t have to take money out of your own pocket to repair roof damage.

This is something you have to negotiate with your insurance provider and see if the insurance company you enrolled into offers you that. If it does, you and your insurance agent should do your best to get that since that would be the best-case scenario.

How to File a Roof Insurance Claim

Getting to the main part of this article, it’s time to learn the steps to deal with your insurance provider and file a successful roof insurance claim. If you follow all the steps listed below, you won’t have any issues throughout the process.

Study Your Roof Damage and Document It

You should always assess your roof damage and document it before contacting any insurance adjusters since this could give you an idea of what they are going to tell you and what you can ask them to give you.

Make sure you know how the insurance policies you enrolled to work and what they include since you can’t ask for something they didn’t offer in the first place. Taking pictures and videos of the roof damage right after it happens is also helpful to prove that everything happened due to an unforeseeable situation.

You should include all those pictures and videos in your insurance claim.

Contact Your Insurance Agent

Contacting an insurance agent or advisor is a key part of getting insurance funds for roof damage since they will tell you the dos and don’ts of filing a claim and talking to an insurance adjuster.

Call a Roofing Company

Naturally, you need someone to take care of everything and give you a budget for how much money you need for the replacement. This will help whether you get a regular insurance claim or a replacement cost coverage. Water Damage & Roofing Austing is always available for you, so don’t hesitate to call us to schedule a consultation with us.

File the Roofing Insurance Company with the Help of Your Insurance Agent

The insurance agent you hire will help you handle all the paperwork needed for the roof claim, so don’t worry about it, as long as you have one to help you.

Schedule an Appointment with an Insurance Adjuster

An insurance adjuster should contact you as soon as they receive and study your roof claim. When that happens, they will try to schedule a meeting with you to check the damage and see how the insurance company can help you.


Even if your insurance company gives you replacement cost coverage, you will need a reputable contractor who offers roofing services of top-notch quality. Doing this will help you handle temporary repairs and prevent any further damage from happening.

Austin Roofing & Water Damage | WDRg has the reputable roofing contractor you need, and you can count on us to perform a roof inspection, repairs, estimate, replacement, and anything you need to address your roof-related needs!