Yes!  Our roofing experts can assist you through the insurance process ensuring you get the coverage you deserve.  

The insurance claim process varies depending on the amount of damage to your roof and your insurance carrier. 

It is up to the insurance carrier to determine the cost of damage and to quantify the damage.

Your focus should be on choosing a contractor who will do the job on-time and on-budget. Don’t waste your time getting 3 bids.

A denied claim does not always mean the process is over.

Insurance claims may be denied for a variety of reasons, including:

• Lack of storm-related damage
• Wear and tear exclusions
• Policy limitations
• Insufficient documentation
• Disagreements regarding the cause of damage

If your claim is denied, consider having your roof inspected by a qualified roofing professional to determine whether additional storm-related damage may exist. In some situations, homeowners may choose to provide additional documentation, request a reinspection, or discuss the claim further with their insurance company.

American Shield Roofing & Construction provides free roof inspections and can help homeowners better understand the condition of their roof so they can make informed decisions about next steps.

In many cases, yes.

Most Texas homeowner insurance policies cover sudden and accidental hail damage. If a storm damages your shingles, flashing, vents, or other roofing components, your insurance company may pay for repairs or a full roof replacement, depending on the extent of the damage and your policy coverage.

It’s important to schedule a professional roof inspection after a hailstorm. Some damage may not be visible from the ground and can worsen over time if left unaddressed.

American Shield Roofing & Construction offers free roof inspections and can help homeowners understand the insurance claim process.

A Class 4 impact-resistant shingle is designed to withstand impacts from hail and other debris better than standard shingles.

These shingles undergo testing to determine their ability to resist cracking when struck by steel balls that simulate hail impacts.

Benefits of Class 4 shingles include:

• Improved hail resistance
• Potential insurance discounts
• Enhanced durability
• Longer roof lifespan

Many homeowners in South Texas choose Class 4 shingles because of frequent severe weather events.

Recoverable depreciation is the portion of your insurance claim that is initially withheld by your insurance company until repairs are completed.

For example, if your insurance company determines it will cost $15,000 to replace your roof, they may first pay the Actual Cash Value (ACV) of the roof after accounting for age and wear. Once the work is completed and documentation is submitted, the insurance company may release the recoverable depreciation amount, bringing the total payout closer to the full replacement cost.

Every policy is different, so homeowners should review their policy details or speak with their insurance representative to understand how recoverable depreciation applies to their claim.

American Shield Roofing & Construction can help homeowners understand the claim process and provide the documentation often required for the release of recoverable depreciation funds.

In Texas, homeowners are generally responsible for paying their insurance deductible when filing a property insurance claim.

Your deductible is the portion of the loss that you are required to pay before insurance coverage applies. The amount varies based on your policy and may be a fixed dollar amount or a percentage of your home’s insured value.

Texas law prohibits contractors from waiving, absorbing, or rebating deductibles as an incentive to obtain business. Homeowners should be cautious of any contractor who suggests otherwise.

American Shield Roofing & Construction believes in following all applicable Texas laws and helping homeowners understand their responsibilities throughout the insurance claim process.