Question 1

Do you handle insurance claims for storm damage?

Accepted Answer

Absolutely. The DFW Roofers team has a long and successful history working alongside insurance to help homeowners repair their properties after storms. Whether you need a consultation or are just looking for a well-versed contractor to get the job done, don’t hesitate to reach out.

Question 2

What should I do if my roof is damaged by a storm?

Accepted Answer

Before anything else, you should prioritize your own safety. Remember: wet roofs, tall ladders, and high-stress situations don’t mix well. If you lack the experience to climb, scale, and cover or plug up damage – don’t do it.

After all, we’re just a call away. Our team has experience working on roofs of all types and in all conditions. You can trust us to get on the scene promptly, cover any exposed areas with tarps or other waterproof materials, and even guide you through the insurance claims process if needed.

Question 3

What types of roofs are best for the DFW climate?

Accepted Answer

That’s a great question. Let’s look at the two big factors: In the DFW area, summers are hot and we get our fair share of severe weather. There’s a certain roofing material that performs exceptionally well in these conditions: Asphalt shingles. Affordable, versatile, and capable of handling very high temperatures, these are some of the most resilient shingles you can buy.

Metal roofs are another excellent option. They aren’t just durable – they’re also reflective, which helps reduce heat absorption. Some homeowners also love tile and slate roofs, which provide a classic look with durable functionality. But it definitely comes at a cost! No matter what you’re looking for, our team can help you find the right material for your home, needs, and local conditions.

Question 4

Do I need a new roof or just repairs?

Accepted Answer

That’s the big question! We’ll have to take a look at the property to decide, but generally speaking, if your roof has isolated damage, such as missing shingles or minor leaks, repairs might be sufficient. But if your roof is approaching the end of its lifespan, shows widespread damage, or has experienced severe weather events, a full replacement may be necessary. Our team would be thrilled to guide you through that decision-making process.

Question 5

Are 3-tab shingles cheaper than architectural shingles?

Accepted Answer

Yes, 3-tab shingles are more affordable due to their composition of lower-cost roofing materials. But their affordability goes a bit further than that too. Beyond being cheap to make, they’re easier to install. So, those savings on time and labor costs get passed onto you.

Question 6

Is it illegal to waive an insurance deductible in Texas?

Accepted Answer

Yes. As the Texas Department of Insurance (TDI) says, “It is illegal for contractors or roofers to offer to waive a deductible or promise a rebate for all or part of a deductible." And waiving deductibles is often a sign that a contractor is more interested in overcharging insurance than providing necessary repairs.

Question 7

Is my roofer scamming me?

Accepted Answer

It's no secret that Texas' roofing market has its fair share of shady activity. The biggest red flag is any contractor offering to waive your deductible or to "make up for it" by providing gifts. This is illegal, and it indicates that they may be more interested in overcharging your insurance than fixing your roof.

Question 8

Why was my roof claim denied?

Accepted Answer

The most common reasons a roof claim is denied is due to a lack of coverage, a lack of maintenance, damage due to basic wear and tear, or the homeowner filing the claim too late.

Question 9

How does insurance estimate repair costs?

Accepted Answer

Insurance adjusters often use a program called Xactimate to estimate repair costs. Because Xactimate uses real-time labor and material costs, it's easier to standardize estimates between contractors and adjusters. If there’s a discrepancy, it’s likely due to an item being added or removed.

Question 10

What’s the difference between in-house, third-party, and public adjusters?

Accepted Answer

In-house adjusters are employees of your insurance carrier, while third-party adjusters are hired on a case-by-case basis, often when carriers are overwhelmed and need outside help with claims. You can think of a public adjuster as a homeowner advocate. They often charge a fee to help homeowners negotiate their claims.

Question 11

What are the major types of insurance carriers in Texas?

Accepted Answer

The Texas Department of Insurance (TDI) suggests that homeowners buy insurance from companies that the TDI has licensed. We can generally organize carriers by national carriers, which tend to offer widespread coverage but may lack personalization; regional carriers, which may tailor coverage to local risks; and surplus lines carriers, which tend to cover high-risk, hard-to-insure properties.

Question 12

My roof is damaged! How do I initiate an insurance claim?

Accepted Answer

Start by calling your insurance carrier, and they'll walk you through the steps and schedule a time for an adjuster to perform an inspection. If your carrier determines if your damage is claim-worthy, a payout will be determined.

Question 13

Is my property damage claim-worthy?

Accepted Answer

What makes damage claim-worthy is determined by your insurance policy. For instance, if your roof is damaged because it hasn't been properly maintained, then it's unlikely to be claim-worthy. However, if a hailstorm caused the damage, and your policy covers this event, then it will likely be claim-worthy.

Question 14

How much does a new roof cost in the DFW area?

Accepted Answer

The cost of a new roof in the Dallas-Fort Worth area varies based on factors like home size, roofing material, and installation complexity. As of January 24', for a standard roof replacement on a typical 3,500-foot home, a common insurance claim falls within the range of $18,000 to $22,000.

To get a precise estimate for your specific project, schedule a free consultation with DFW Roofers. We'll assess your needs and provide a detailed quote, ensuring transparency throughout the process.

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