Read the coverage before estimating a payment
Wind and hail may be covered, excluded, or insured separately. Check the declarations, roof endorsements, exclusions, and applicable deductible. A weather report cannot determine whether your policy covers a loss.
Source: Texas Department of Insurance: home insurance guide ↗
Questions to put in writing
- Was wind and hail coverage in force on the suspected loss date?
- Does a separate wind/hail deductible apply?
- Is the roof settled at replacement cost, actual cash value, or under a payment schedule?
- What exclusions or limitations does the insurer believe apply?
Save the policy version that applied on the loss date, including endorsements. Ask for the specific language behind a coverage decision.
Separate the questions
A contractor evaluates repair work. Your insurer evaluates a claim under the policy. A qualified attorney can advise on a dispute. These roles are different, and an inspection is not a promise of coverage.
Understand deductibles and payments →