Houston's Hail & Storm Damage Experts Near You

ROOF INSURANCE CLAIMS HAIL DAMAGE WIND DAMAGE STORM DAMAGE IN HOUSTON

We have specialized teams ready to deploy and assist you with roof insurance claims. Houston’s Hail & Storm Damage Experts Near You! Take a breath and check to ensure your loved ones are safe. Next, identify if your home has suffered massive hail or wind damage.

The hail roof damage experts if you’re experiencing roof leaks, missing shingles around your lawn, or a hole in your roof. Then, as a policyholder, give prompt notice to your insurance company and call a roofer you can trust to prevent future damages. Your roofer should install a roof tarp over the missing shingle areas or roof leak areas if needed. Houston’s Hail & Storm Damage Experts Near You

ROOF INSURANCE CLAIMS IN HOUSTON

WHEN THE STORM STRIKES, YOU NEED SOMEONE ON YOUR SIDE YOU CAN TRUST!

A roof insurance claim can be exhausting if too many things happen simultaneously. Dealing with a storm damage claim is not an easy process. We make it easy for you; our qualified team will guide you on the right path during your roof insurance claims. From the moment you call, we will do whatever is necessary to mitigate and prevent further damages.

We will install a tarp over your roof, assist you with your insurance adjuster’s meeting, and assist your insurance adjuster during the inspection. We are the Houston’s Hail & Storm Damage Experts Near You, will help your insurance adjuster by removing the tarp to see the damages underneath, securely replacing it, and giving the right ladder equipment (16, 28, 32, 40, or 48 feet) to access your roof.

Our expert teams check for other damages associated with this storm, such as fences, gutters, water-soaked or stained sheetrock, stucco, windows, glazing beads, skylights, etc. We have over a decade of experience with roof insurance claims, so we are eager to help as many people as possible.

Our goal is to become your response used by God in these difficult times. Unfortunately, we have seen too many people screwed by their Contractors who run away with the insurance proceeds or leave jobs incomplete.

We are not saying to do the work you don’t pay anything. You will have to pay your deductible for the approved claim! We aim to restore your home in the shortest possible time without cutting corners to pre-storm condition.

We always leave your home better than we found it, using quality materials, premium warranties, and the best workmanship in the city. Your new integrity roof shingle and accessory systems, ventilation systems, certified warranties, and our installation methods will leave you with jaw-dropping results.

Each one of our contractors is the best in their trade. You will never see one of our roofers installing your gutters or doing your sheetrock; not! Houston’s Hail & Storm Damage Experts Near You

Need Any Roofing Replacement Gutter Work?

Don’t worry; we can help you! For any asphalt shingle types of roofing book your free estimate today!
JC&C Roofing Company Christian Hernandez

EDUCATION IS KEY OF SUCCESS DURING THE ROOF INSURANCE CLAIM

When you buy a homeowner’s insurance policy, you need to ask these simple questions:

  1. What are my policy coverage and terms for my main dwelling and other structures?
  2. Do I have a roof exclusion or exceed the coverage limit?
  3. What deductible applies to my loss, and is this the most common deductible for:
    • Perils? 
    • Wind or Hail?
    • Hurricane?
  4. What is my deductible amount on a roof insurance claim? (*) (**)
    • 1% 
    • 2%
    • 5%
    • 10%

(*)There’s a lot of confusion now because insurance companies are calculating the deductible based on a percentage of the house’s value, not the claim’s value—in other words, the dwelling amount.

(**)Example: If your dwelling is $300,000.00 and your deductible is 2%, the deductible applicable to your loss will be $6,000.00, and then they apply the depreciation.

  • What is recoverable depreciation? (*)
  • Ask if your policy carries the replacement cost value endorsement or only pays on an Actual Cash Value basis, a.k.a. RPS (Replacement Prorated Schedule program). This is one of the key and most important questions.
  • Ask  If your policy covers Code Upgrade. This question is critical, especially in old houses.

 (*) Most insurance companies apply depreciation based on the age or condition of your roof. 

(**) For example, if your roof’s life expectancy is 30 years but your roof is 15 years old, they will apply a 50% depreciation.

For example, your total cost for repair is $22,000, and your roof is 15 years for 30-year shingles. The depreciation cost is $11,000.00. Then, they apply your deductible to your loss during your policy coverage, say $6,000.00. The sum of your deductible and depreciation check subtracted from the repair cost totals your Actual Cash Value of     $5,000.00. 

In many cases, you can recover the depreciation they withheld. This will depend on the terms and conditions of your policy. Ask if your policy carries the replacement cost value endorsement or only pays on an Actual Cash Value basis, a.k.a. RPS (Replacement Prorated Schedule program). Roof Hail Damage Experts.

Houston's Hail & Storm Damage Experts Near You

WITH JC&C ROOFING COMPANY YOU NEVER GO WRONG!

CALL US TODAY OR BOOK US ONLINE FOR A  FREE STORM DAMAGE INSPECTION. YOU WILL BE RECEIVING A COMPREHENSIVE ROOF EVALUATION INSPECTION WITH THE PICTURES FROM THE STORM DAMAGE INSPECTION; WE OFFER EMERGENCY ROOF REPAIRS AND TARP SERVICES TO PREVENT FURTHER DAMAGE.

THE DAY OF OR AFTER THE STORM, REMEMBER CALL JC&C ROOFING TO REQUEST A FREE ARTIFICIAL INTELLIGENCE ROOF INSPECTION. WE USE DRONES TO SCAN YOUR ROOF FOR STORM DAMAGE IN CASE YOU DON’T WANT SOMEONE ON YOUR ROOF OR A ROOFER CAN NOT WALK ON YOUR ROOF.

HOW A ROOF INSURANCE CLAIMS WORKS

Complimentary Roof Storm Damage Inspection

Book your storm damage inspection to determine if your roof qualifies for a storm damage claim. We will perform a thorough and honest inspection of your roof’s condition.

We have the experience and technology to determine damage to your roof, which sometimes doesn’t require a complete roof replacement.

We review our findings of the damages we discovered on your roof using the inspection photos with you. We believe this is an integral part of the storm damage inspection process.

Filing your insurance claim is imperative as there's a limited time

We use supporting data from AccuWeather and other sources to verify when it happened, the size of the hail, and the wind speed or wind gust for the storm damage to gather as much information for you regarding your loss.

We will provide valuable information and the necessary assistance during this process.

Insurance Adjuster Inspection / Roof Damage Inspection

For many reasons, the contractor of your choice at the insurance meeting should always be present.

Some adjusters see the steepness of your roof and don’t even want to climb it. Also, this allows for better discussion regarding the needed scope of work under the claim.

So you, the homeowner, your insurance company, and your roofing contractor agree regarding your scope of work.

Review of your insurance scope of work AKA Insurance estimate

The insurance adjuster will write you an estimate for repairing or replacing your roof. Let us know when you receive your roof insurance claim letter; they will call you, so please request that they send you the estimate via email.

We will schedule a meeting with you to review your approved insurance estimate. If everything seems fine, we will discuss product colors and plan the scope of work approved by your insurance company.

We will tell you what they are not paying for if something seems wrong. We will then put together an estimate using Xactimate, a regulated Insurance pricing software.

We pride ourselves on never cutting corners with our customers’ homes, doing what is fair, and not milking your insurance company.

HOA APPROVAL ASSISTANCE

We can assist you with completing and delivering your application form to your HOA. We can provide them with samples and documentation on your storm damage claim for faster approval. However, always first check with your HOA and often during this process.

Schedule Agreed Roof Replacement Or Roof Repairs

We are ready to schedule your roof replacement or repair scope of work approved and detailed by your insurance carrier, such as roof, interior painting, windows, gutters, exterior siding painting, drywall, fencing, etc.

Because many of our customers want to be present when the replacement or repair work is scheduled, Saturdays are the most selected day, so we work our schedule to accommodate our customers’ wishes (This depends on roof complexity).

Often, at their request, we inform them of the best selection of shingle brands and preferred colors. We aim to offer them a durable, beautiful roof they will love to see repeatedly.

We use the latest 3D View Visualizer Hover technology to select your roof design. We also supply you with style and color samples of the actual shingles. We continue to upload our latest roofing projects to our YouTube channel in all the available colors, making selecting your roof easy and exciting.

Roofing Installation and Materials Delivery

On most roofing replacements, shingles are delivered the day before the installation unless the customer requests them to be delivered the same day.

Our dump trailers, project supervisor, and project runner are delivered at the same time our roofing installers arrive. We will need full access to your property and request that you remove the cars from your garage if you plan to use them on the roofing installation day. We require that no vehicles be left on your driveway. When the job is completed, the dump trailer will be removed from your property.

At the end of your project, we will need to access your attic to clean the debris on your access door and clean the sawdust on your furnace and water heater.

Deductible Payment

We collect your insurance deductible applied to your storm damage claim before the start of the work.

We offer financing. One of the most popular promotions is 18 months with 0% APR on storm damage claim deductibles, or we find a payment structure that fits your budget.

COLLECTION ON YOUR ACV PAYMENT

After the roof’s completion, the property walkthrough is done to make sure everything contracted is to your satisfaction. We will collect the first insurance payment called the actual cash value (ACV) Payment.

POWER WASH

In our pursuit of customer satisfaction, we provide a complimentary power wash of your driveway, sidewalk and patio areas. To our best ability, the removal of the mildew, dust and the tire marks on your driveway may be a challenge. Our goal is to leave your house and property better than we found it.

COLLECTION OF THE INSURANCE RECOVERABLE DEPRECIATION

At this point, we have completed the entire scope of work approved by your insurance carrier such as: interior repairs, gutters, windows and windows glazing beads, and windows screens. For the majority of storm damage claims, the insurance company pays the recoverable depreciation after everything has been reviewed, the work completed and the final invoice has been submitted.

PAYMENT RECEIPTS AND SHINGLE MANUFACTURERS WARRANTY REGISTRATION

The final payment receipt will reflect every payment you made to us. After your final payment is collected, we register the shingle manufacturer’s warranty. Two reasons we have to wait until the end is #1 the enhanced warranties have a price tag we have to pay and #2 we have to submit all your material distributors invoices to confirm the invoice matches your delivery address and name in order to register your warranty

Women holding roofing Equipment

Online roofing estimates

WHY WAIT FOR A QUOTE?

Don’t wait another day for other roofers to send you a quote. With us, you can get a free instant roofing estimate in less than 5 minutes. Moreover, don’t worry about annoying sales people putting pressure on you to make a same-day decision.

Houston's Hail & Storm Damage Experts Near You

HOW A ROOFING STORM DAMAGE CLAIM PAYMENT DISBURSEMENT WORKS

FIRST PAYMENT: YOUR DEDUCTIBLE – WE OFFER ROOF FINANCING OPTIONS

Your storm damage claim deductible in an out-of-pocket expense. Texas HB2102 Section 27.2 Texas requires a person insured under a property insurance policy to pay any deductible applicable to a claim made under the policy.
Insurance companies will request reasonable proof of the deductible payment before releasing the final claim check to the policyholder. The new law makes it a Class B misdemeanor (punishable by a jail sentence of up to 180 days plus a $2000 fine) for contractors to pay, waive, absorb, rebate, credit, or otherwise decline to charge or collect the property owner deductible

SECOND PAYMENT: YOUR ACV (ACTUAL CASH VALUE)

The first payment from your insurance on the storm damage claim is the ACV (Actual Cash Value) due after your roof is completed. This check may require mortgage endorsement so JC&C offers the service to express mail the check to your mortgage and return it to you.
We share the USPS tracking number with you. Since the job is completed, JC&C will send the insurance company the final invoice, proof of your deductible payment, and photos of the completed work with or without supplements.

Houston Roofing Financing

THIRD PAYMENT: YOUR RCV (RECOVERABLE DEPRECIATION A.K.A. YOUR REPLACEMENT COST VALUE)

The final payment from your insurance on the storm claim is the RCV- Recoverable Depreciation. Sometimes the check issued will list the mortgage, and we will need to send it to the mortgage. Just let us know so we can proceed with mailing it with respective mortgage forms.

- Do not sign the check prior to sending it to your mortgage company unless they request it

- Manufacturer warranties will be registered after all payments have been submitted and payment receipts will be sent to them.

FAQ'S ON ROOF STORM DAMAGE CLAIMS

QUESTIONS ON ROOFING STORM DAMAGE CLAIMS

When discussing roofing storm damage claims, hail damage is severe. Hail damage continues to spread and break down the components of the shingle.

The hail strikes your roof shingles, and they get bruised and granules knocked off. After a hail storm, you always find granules on your downspout splash pad. The Roof shingles are made with granules, fiberglass, and asphalt, which waterproof your home.

When these shingles lose granules that protect the asphalt from being directly exposed to the sun, the asphalt disintegrates when exposed to the sun, leaving your fiberglass vulnerable to the elements. The exposure of asphalt is the reason for the leaks!

Before filing a storm damage claim, most homeowners consult with a professional roofer on the intensity and size of the hail based on the type of roof shingles and their current roof condition.

If your roof has hail damage, is it covered by homeowners’ insurance? Insurance companies try not to approve and pay out on hail damage claims.

On roofing storm damage claims, your insurance is entitled to repair or replace your roof. Depending on the severity of the hail damage and roof condition, your adjuster will determine if your roof needs to be repaired or replaced.

For example, if your roof is relatively new, they are usually looking for severe hail damage. If the roof is ancient, it is more susceptible and fragile to getting cracked or bruised, making it nonrepairable. One of the main reasons some insurance companies, after 15 years, only cover the roof under an ACV Cash Actual Value policy. In some cases, the damage needs to be more significant.

After the roof is damaged by a natural disaster, such as hail, wind, tornado, or hurricane, a homeowner must work through the insurance claim process to get their property back to its best working condition.
At JC & C Roofing Company, navigating through claim paperwork, roof repair, or roof replacement estimates can be exhausting and sometimes confusing. We’re here to help you have a transparent experience. We give you estimates from XACTIMATE a. software used by the insurance industry to calculate your claims.

After the roof is damaged by a natural disaster, such as hail, wind, tornado, or hurricane, a homeowner must work through the insurance claim process to get their property back to its best working condition.


At JC & C Roofing Company, navigating through claim paperwork, roof repair, or roof replacement estimates can be exhausting and sometimes confusing. We’re here to help you have a transparent experience.

We give you estimates from XACTIMATE a. software used by the insurance industry to calculate your claims.

Absolutely yes! A Roof adequately installed and with the proper components designed by the shingle manufacturer is not supposed to have missing shingles during a Wind Storm.

Most manufacturers' wind warranty coverage is 130 MPH unless it is a tornado. The wind during a tornado is different from wind-driven rain coming from a wind storm.

On a Hail-Damaged Roof, Having the proper components will make a massive difference during the roof installation.

For example, if you have neoprene roof plumbing vent flashing or plastic air hawks, depending on the severity of the Hail Storm, Hail can break those flashing, leaving a hole in the middle of the storm and leading to extensive interior damage.

*The statements on this page are personal interpretations and opinions from limited experience and legal advice provided to JC&C Roofing and JC&C Roofing’s clients. They are not to be used as legal guidance. JC&C Roofing is not qualified or licensed to provide insurance advice, discuss claim information, act as a public adjuster, or provide legal representation.

Houston's Hail & Storm Damage Experts Near You

Certified and Accredited Roof Installers

JC&C Roofing Company is proud to deliver the best-in-class roof replacement systems. Our roof technicians have spent hundreds of hours training for every roof replacement or repair. That way, when you hire us, we become your roofer forever.

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