05/14/2026
Before filing a roof claim, it’s important to understand the numbers first.
Many homeowners assume that if insurance approves a roof, insurance is paying for a new roof.
Unfortunately, that’s not always the case.
Today we’re seeing more:
• ACV policies
• higher deductibles
• heavy depreciation based on roof age
In some situations, homeowners are surprised to learn the insurance payout is far lower than expected.
That’s why we always recommend:
✔ inspecting the roof first
✔ reviewing the policy
✔ understanding the numbers before filing a claim
Not every roof needs a claim.
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— Texas Professional Roofing