Roof Damage Insurance Claim Attorney
Roof damage is the most common storm insurance claim in South Texas — and the most commonly underpaid. If your insurer denied your claim, blamed wear and tear, or offered less than your contractor's estimate, we can help.
No out-of-pocket fees unless recovery is made. Se Habla Español.
How We Help
When the Insurance Company Won't Pay for Your Roof
South Texas roofs take a beating from hail, high winds, and tropical weather. When storm damage occurs, homeowners and business owners expect their insurance to cover the cost of repair or replacement. Too often, insurers respond with denials, low estimates, or wear-and-tear defenses that leave property owners paying out of pocket.
Common insurer tactics in roof damage claims include calling damage "cosmetic only," attributing damage to age or lack of maintenance, sending adjusters whose estimates are far below what licensed roofing contractors actually charge, or applying high deductibles that dramatically reduce the net payment.
We review roof damage claims for South Texas homeowners and business owners. We examine your policy, the adjuster's report, your contractor's estimate, and the insurer's response — and we identify where the insurance company fell short.
Know Your Rights
Common Insurance Company Tactics
Insurance companies use these tactics to reduce or deny valid claims. Knowing what to look for is the first step.
Cosmetic Damage Only
Labeling hail or wind damage as cosmetic to avoid paying for full roof replacement.
Age & Wear Defenses
Attributing roof damage to the age of the roof or lack of maintenance rather than the storm.
Partial Replacement Only
Paying for partial repair rather than full replacement when the damage warrants a new roof.
Low Adjuster Estimates
Issuing estimates that don't reflect current roofing material and labor costs in South Texas.
Actual Cash Value vs. Replacement Cost
Paying actual cash value (depreciated) when your policy entitles you to full replacement cost.
Missed Damage
Overlooking damage to gutters, flashing, skylights, vents, or other roof components.
Our Review Process
What We Look for in Your Claim
FAQ
Common Questions
The adjuster said my roof damage is cosmetic. Does that mean I can't get paid?
Not necessarily. Many policies cover cosmetic damage, and what an insurer calls cosmetic may actually affect the function and lifespan of your roof. We can review your policy language and the adjuster's findings to determine whether the cosmetic damage exclusion was properly applied to your claim.
My insurer wants to pay actual cash value, but my policy says replacement cost. What should I do?
If your policy provides replacement cost coverage, you are generally entitled to the cost of replacing the damaged property with new materials of like kind and quality — not the depreciated value. We can review your policy and the insurer's payment to determine whether you're being shortchanged.
The insurance estimate is much lower than my roofing contractor's estimate. What can I do?
A significant gap between the insurer's estimate and a licensed contractor's estimate is a common sign of an underpaid claim. We can review both estimates and your policy to determine whether you're entitled to additional compensation.
Do I need to get my roof repaired before filing a dispute?
Generally, you should avoid making permanent repairs until the damage is properly documented and the claim is resolved. However, you should make temporary repairs to prevent further damage and document everything with photos and video. Contact us before making any permanent repairs.
Related Practice Areas
Before You Settle, Know Your Rights.
Get a free claim review from Michael R. De Leon. No out-of-pocket fees unless a recovery is made. Serving all of South Texas and the Rio Grande Valley.
Not sure if you have a case? Start with a free review. Se Habla Español.