Helping Galveston Homeowners Navigate Roofing Insurance Claims
Filing a roof insurance claim after storm damage can be overwhelming. At Galveston Roofing Group, we connect you with experienced, licensed roofing professionals who assist throughout the process—from inspection to repair documentation.
Important Note:
Galveston Roofing Group is not a public insurance adjuster. We do not negotiate or settle claims. However, the contractors we refer can meet with your insurance adjuster to ensure accurate damage reporting and scope alignment.
Step 1: Schedule a Roof Inspection
Before filing your claim, confirm that your roof has damage qualifying under your policy.
What to Expect During Inspection:
- A detailed assessment for wind, hail, and storm-related damage
- Photo documentation of missing shingles, water intrusion, or leaks
- A comprehensive report to support your insurance claim
Call +1 409-572-8312 or email info@normanroofworks.com to request your free roof inspection..
Step 2: File Your Insurance Claim
Once damage is confirmed, begin the claims process with your insurance provider.
You’ll Need:
- Policy number
- Storm date and time
- Photos and inspection report
Your insurance provider will issue a claim number, which you’ll use during the process.
Step 3: Insurance Adjuster Inspection
An insurance adjuster will evaluate the damage independently.
What You Should Do:
- Expect a call within 48 hours to schedule the visit
- Inform your roofing contractor of the appointment
- Ensure your contractor attends to represent your best interests
Why It Matters:
Insurance adjusters work for the provider. Having a contractor present helps ensure all damage is documented properly and repairs follow local code requirements.
Step 4: Review the Estimate
After the inspection, your insurance company will issue a Scope of Work outlining:
- Approved repairs
- Estimated costs and depreciation
- Your deductible responsibility
Next Steps:
- Share this with your contractor
- They’ll verify if the scope includes all necessary repairs
- If not, they may help request a supplement for additional work
You’ll typically receive the estimate within 7–10 days of the adjuster’s visit.
Step 5: Roof Replacement & Payment Process
Insurance payments are generally issued in two phases:
First Payment – Actual Cash Value (ACV)
- Covers the depreciated value of your existing roof
- Released shortly after claim approval
Roof Work Begins
- Contractor schedules your roofing project
- You pay your deductible as required by your policy
Second Payment – Recoverable Depreciation
- Paid after the job is completed
- Your contractor submits a final invoice
- You forward the remaining payment to complete the process
Why Use One of Our Referred Contractors?
Free Roof Inspections –
Our trusted contractors offer comprehensive storm damage assessments to determine if your roof qualifies for insurance coverage.
Expert Insurance Support–
They help you understand your insurance documents, walk you through the claims process, and ensure you're informed at every step.
Fully Licensed & Insured –
Every contractor we refer is licensed and insured in Texas, with work performed to meet Galveston’s local building codes and safety standards.
Streamlined Coordination –
They work directly with your insurance adjuster, helping facilitate accurate inspections and faster approvals.
Superior Craftsmanship –
All roofing work is completed using high-quality materials and professional installation practices to ensure long-lasting results.
Frequently Asked Questions
How do I know if my damage qualifies for a claim?
If you have missing shingles, leaks, or signs of hail damage, schedule an inspection to confirm.
Will my premiums go up after a claim?
Most insurers don’t raise rates for storm-related claims. Review your policy or ask your provider to be sure.
How long does the claim process take?
It typically takes 2 to 4 weeks, depending on the adjuster and provider response time.
Do I need multiple estimates?
Not required. Insurers often use a fixed payout model. If the estimate is low, your contractor can request a supplement.
What if my claim is denied?
You can request a reinspection. Your contractor can provide additional documentation to support an appeal.
Start Your Roofing Insurance Claim Today
Don’t let roof damage go unchecked—your insurance may cover the full replacement.
Reminder: Galveston Roofing Group is not a public adjuster. We connect you with vetted roofing contractors who support you through the insurance process but do not negotiate settlements.
