Lekker Roofing

Insurance

When it comes to filing an insurance claim for roof damage in Texas, understanding the timelines and regulations governing adjuster inspections is crucial. Homeowners facing the aftermath of a hailstorm or windstorm often wonder how soon an insurance adjuster must visit once a claim has been filed. Texas law provides specific guidelines to ensure a timely and efficient process.

In the state of Texas, the Insurance Code outlines the rights and responsibilities of both insurers and policyholders. When it comes to roof damage claims, one of the critical aspects is the timeframe within which an insurance adjuster must visit the property after a claim has been filed.

Texas law doesn't specify a fixed time frame for insurance adjusters to inspect roof damage. However, insurance companies operating in the state are generally required to act promptly and fairly in handling claims. Insurers are expected to acknowledge receipt of a claim within a specified period, usually within 15 days, and begin the investigation process promptly.

Once the claim is filed, the insurance company has a reasonable amount of time to dispatch an adjuster to assess the damage. The term "reasonable" may vary depending on the circumstances, such as the extent of the damage, the volume of claims in a particular area, and the current weather conditions.

Several factors can influence how soon an adjuster visits a property after a roof damage claim:

• Weather Conditions:
• Severe weather events, common in Texas, can impact the adjuster's ability to reach and inspect properties promptly. High demand for inspections following widespread storms may also contribute to delays.

• Claim Volume:
• The number of claims an insurance company receives can affect inspection timelines. Higher claim volumes may lead to longer processing times.

• Severity of Damage:
• The severity of the roof damage can influence the urgency of the inspection. Extensive damage may prompt quicker responses from insurance companies.

• Insurance Company Policies:
• Each insurance company may have its own internal policies and procedures for handling claims. Some companies prioritize rapid response, while others may take slightly longer.

What Homeowners Can Do:

While Texas law doesn't specify an exact time frame for adjuster inspections, homeowners can take certain steps to facilitate a smoother process:

• Promptly Report Damage:
• Report roof damage to your insurance company as soon as possible. Timely reporting can help expedite the entire claims process.

• Document the Damage:
• Take photographs of the roof damage and any other affected areas. This documentation can serve as valuable evidence during the claims process.

• Maintain Communication:
• Stay in regular communication with your insurance company. Inquire about the expected timeline for an adjuster's visit and any additional information they may need.

Navigating the insurance claims process for roof damage in Texas involves understanding the broader framework set by the Insurance Code. While the law does not specify an exact time frame for adjuster inspections, insurance companies are expected to handle claims promptly and fairly. Homeowners can play an active role by reporting damage promptly, documenting the extent of the damage, and maintaining open communication with their insurance provider. By staying informed and proactive, homeowners can help ensure a smoother and more efficient resolution to their roof damage claims.

How We Can Help

Once an adjuster has inspected your roof and supplied you with the insurance settlement paper work, it is important to share this paper work with your roofer.  Some homeowners feel like if they share this paperwork with the roofing company it will in some way affect the price a roofing company will try to charge them.  The reason you want a roofing company like Lekker to look over this documentation is because there are many line items in the paperwork that justify the amount of settlement they want to give.  The details are not always correct nor are they always complete.  For example, additional value is given to the homeowner based on the pitch of the roof.  If the adjuster does not add this additional pitch cost to the square feet it affects, you will receive less than you should.  When Lekker performs your inspection they measure this type of details and are able to look at the paperwork and see if you are getting what you should. 

The obligation of the insurance company is to make your roof whole.  Meaning they are responsible for restoring your roof to the same level of quality in material that was present before the event that caused its destruction.  If they do not provide you with all of the settlement money you need to have your roof restored properly, you will get a roof of lesser value and quality.

Once the adjuster determines the cost of replacing your roof, they will cut the homeowner a check for the replacement cost of your roof, according to them, minus your deductible.  Some insurance companies might withhold a portion of the settlement until they see an invoice from the roofing company showing that the work was performed.  Navigating the insurance companies is typically no fun for homeowners.  We have the experience and know how to make sure you get the money you need to restore your roof.