Filing a roof insurance claim can be confusing, especially with Texas wind/hail deductibles now calculated as a percentage of your home’s value rather than a flat fee. Monumental Construction & Restoration has helped homeowners across DFW navigate the storm damage claims process for over 25 years, and we’re happy to explain the terminology as much as help with the actual repair work.
How the Claims Process Works With Us
1. Free Inspection & Consultation
Call us or fill out our online form to schedule a no-obligation inspection. We’ll take a look and give you a straight answer on whether the damage is worth filing a claim over — we don’t push a claim if the damage doesn’t warrant one.
2. Documentation
A trained technician documents the damage thoroughly — photos, measurements, and a written assessment — so you have solid evidence to support your claim, tied to the specific storm date whenever possible.
3. Working With Your Insurer
We work directly with your insurance company to establish the scope of repairs, then walk you through financing and timeline options before any work is scheduled. If needed, we’ll meet your adjuster on-site to make sure the damage assessment is complete.
4. Repair or Replacement
Most roof restorations are scheduled within a few weeks and completed in a day or two, whether the damage is from wind, hail, or water.
5. Final Payment
We submit a certificate of completion to your insurer and help you close out the claim, including any recoverable depreciation your policy allows.
Insurance Terms Worth Knowing
- RCV (Replacement Cost Value): Pays to replace your roof with new materials of similar kind, restoring it to pre-loss condition.
- ACV (Actual Cash Value): Pays the depreciated value of your roof, not full replacement cost — increasingly common on older roofs.
- Depreciation: Value subtracted from RCV based on your roof’s age; some policies allow you to recover part of this after work is completed.
- Wind/Hail Deductible: Now typically 2% of your home’s insured value across most of DFW — not a flat dollar amount.
Why the Deductible Shift Matters
A lot of homeowners are still budgeting around the flat-dollar deductibles that used to be standard, only to discover a percentage-based deductible on a claim can run into the thousands. Understanding this before a storm hits — not after — gives you a much clearer picture of what a claim will actually mean for your out-of-pocket costs, and helps you decide whether a repair is worth filing through insurance at all.
Frequently Asked Questions
Will filing a claim raise my insurance rates?
It’s possible, though rules vary by carrier and state. This is worth discussing with your agent directly, but a single weather-related claim is generally viewed differently than repeated claims.
What if my insurance denies part of my claim?
We can help you understand the denial and, in many cases, provide additional documentation to support a reconsideration if we believe the damage was underassessed.
Why Homeowners Trust Us With Their Claims
We’re BBB A+ rated, an Owens Corning Preferred Contractor, a CertainTeed Master Shingle Applicator, and GAF Certified. Our team has walked hundreds of DFW homeowners through the claims process, and we’re happy to answer questions about your specific policy terms even before you decide to move forward.
If your roof has wind, hail, or water damage, contact Monumental Construction & Restoration or call (469) 910-3060 for a free inspection to start your claim.
