Hailstorms recently slammed areas like San Antonio and Kerrville, Texas, leaving behind widespread roof damage. At Two Brothers Roofing, we know just how overwhelming the aftermath can be. Within hours, neighborhoods are swarmed by out-of-town roofers making big promises—but not all roofers are created equal. That’s why it’s crucial to know what steps to take next. This guide will walk you through exactly what to do (and what to avoid) to protect your home, your insurance claim, and your peace of mind.
Step 1: Document the Damage
Before you call anyone, take a moment to inspect and photograph any damage. This includes:
– Outdoor furniture
– Lighting
– Decorative items in your yard
– Vehicles
– Screens, windows, fences, etc.
These photos help paint a picture of what the storm did—valuable documentation for both your insurance and your roofer.
Step 2: Choosing the Right Roofer
This is one of the most important decisions you’ll make. Here’s what to look for:
– Local and reputable: Look for established businesses with a solid online presence and strong reviews.
– Experienced with insurance claims: They should know how to navigate the process and assist with documentation, supplements, and speaking to your adjuster.
– Licensed and insured: Ask for proof of insurance (most policies should be around $1 million). It’s okay to verify this directly with the insurance provider.
– Permits & building codes: If a roofer can’t pull a permit or asks you to do it, that’s a red flag. Make sure they’re familiar with International Residential Codes (IRC) and local regulations.
– Clear contracts and warranties: Read everything before signing. A typical workmanship warranty is 5 years. Be cautious with “lifetime warranties” from companies that have only been in business a year or two.
– Avoid pushy salesmen: A reputable roofer won’t pressure you to make a fast decision—they’ll have ample business and confidence in their quality of work. Take your time. This is a big decision and you should feel comfortable throughout the process.
Pro tip: It’s okay to show your roofer your insurance estimate. This transparency helps prevent you from paying more than your deductible and ensures the scope of work is aligned.
Step 3: Understanding the Insurance Process
Once your roofer confirms hail damage:
1. File your claim – either online or by phone.
2. Schedule an inspection and have your roofer present. They’ll help advocate for you and document missed or hidden damages.
3. Review your insurance estimate. Your roofer can help catch errors or request supplements—these are additional line items for things missed during the adjuster’s visit.
Key Insurance Terms:
– Deductible – Your out-of-pocket responsibility (cannot be waived legally).
– ACV (Actual Cash Value) – The current value of your roof with depreciation deducted.
– RCV (Replacement Cost Value) – The total cost to replace the roof.
– Depreciation – The amount subtracted from the RCV. This is usually recoverable after the job is done.
– Supplements – Items added to the insurance claim after approval for things missed or damaged.
Step 4: Payments, Permits & Legalities
Understanding Payments:
– Insurance will issue your first check for the ACV amount (RCV minus depreciation and deductible).
– If there’s a mortgage company listed on the check, you’ll need to contact their loss draft department for instructions.
You may:
– Be asked to mail the check for endorsement.
– Need to submit documents like the signed contract or inspection report.
What You Pay:
– Deductible (required by law, per HB 2102)
– Upgrades – Any extra materials or changes you request beyond what the insurance pays for.
– Special Order Deposits – Sometimes a deposit (typically no more than $500) is required for unique or custom materials.
Step 5: Wrapping Up Your Project
Once the job is done:
1. Pay your roofer: ACV + deductible + any agreed-upon upgrades.
2. Your roofer will:
– Submit final documents to your insurance
– Help request the release of depreciation and any supplements
3. You receive the remaining insurance funds and pay your contractor the balance.
4. You receive your warranty and final paid invoice for your records.
Note: Sometimes, insurance companies drag their feet or miss items in the supplement process. Your roofer might need your help following up.
Final Thoughts
Navigating storm damage isn’t just about getting a new roof—it’s about protecting your home and avoiding costly mistakes. Choosing a qualified, experienced roofing contractor who understands the insurance process is the key to a smooth, stress-free experience.
If you’re in a hail-affected area and need help, contact Two Brothers Roofing. We’re here to guide you every step of the way—from inspections and insurance help to quality installation and final warranty delivery.
