Hail & storm claims
We handle your insurance claim start to finish
A roof insurance claim is the process of documenting storm damage, having it scoped by your carrier's adjuster, and having the repair paid under your policy. We file it, meet the adjuster, translate the estimate, supplement what was missed, and close it out. Your out-of-pocket cost is your deductible.
The part homeowners find exhausting
Most people who call us about hail damage are not worried about the roofing. They are worried about the insurance company: the paperwork, the adjuster who disagrees, the check that arrives with the mortgage company’s name on it, and the second check that never seems to come.
That is the part we take on. We have done it enough times that the process is routine to us even when it is the first claim you have ever filed.
How a roof claim actually works
- 1Free inspection and photo reportWe document the roof and the entire exterior before anything is filed, so you know whether you actually have a claim.
- 2We help you fileWith the right storm date, the right language and the damage evidence attached.
- 3We meet your adjuster on the roofEvery single time. This is the step that decides whether a claim is scoped properly or argued about for months.
- 4We translate the estimateXactimate line items, ACV, depreciation and RCV explained in plain language, so you know your real out-of-pocket number.
- 5We supplement what was missedGutters, screens, vents, fencing, code-required items and price corrections filed on your behalf.
- 6We install and close it outFinal documentation to the carrier and your mortgage company so your recoverable depreciation is released.
The three letters that confuse everyone
- ACV (Actual Cash Value)
- What your roof is worth today, after depreciation for its age. This is your first check, and it is always less than the full replacement cost.
- Depreciation
- The value withheld from that first check. It is released as a second payment once the work is completed and documented, which is why choosing a cheap bid actually costs you money.
- RCV (Replacement Cost Value)
- ACV plus depreciation. The full cost of replacing what was damaged, which is what you receive in total across both checks.
Insurance claim questions
How do I review my insurance estimate?
Your insurance company uses Xactimate software to compose the insurance estimate and quite often the estimates can be confusing and misunderstood. When you receive your insurance estimate please call your Dimensional Pro representative. We will schedule a time to review the estimate and explain the items. Once your insurance claim is approved, you will receive a detailed estimate from your insurance company along with a partial payment for repairs. Usually the check is mailed separately. The majority of insurance claims are paid in a two check process. The first is to begin repairs; the second check is paid upon completion of all repairs.
What does ACV, Depreciation, and RCV imply on my insurance estimate?
The (ACV) represents the Actual Cash Value. Your first insurance check is paid based on the (ACV). This is usually determined by the age of your roof and the current worth of your roof today. The Depreciation (2nd check) is the value that you will receive once the project is completed. The (RCV) represents the Replacement Cost Value. When adding the ACV + Depreciation together you will get the RCV. Replacement Cost Value is exactly how it sounds, the value that it costs to replace damaged items on your roof and exterior.
Why does my insurance check include the name of my mortgage company?
Your Mortgage Company holds the note or deed to your property and has a vested interest in the completion of major repairs on your home. The mortgage company is usually named on your insurance policy, so it is also included on your insurance claim check. Your mortgage company requires us to provide specific documentation and paperwork in order for you to receive your initial check. At Dimensional Pro, as your roofing and construction company, we are very familiar with this process and can help prepare all the necessary documentation and paperwork.
How much will this cost me?
Your total out-of-pocket cost is always known before signing a contract. Dimensional Pro assumes any pricing risk involved in the installation of your new roof or other repairs. You know exactly what your expense will be. Dimensional Pro understands the entire insurance process and is willing to work with the insurance company on your behalf. Dimensional Pro will complete the paperwork for recoverable depreciation, obtain endorsements from mortgage companies on insurance proceed checks, file supplemental claims when necessary, and, most importantly, wait for the insurance company payment. The only deposit required is the deductible and actual cash value payment from the insurance company. Once the work is complete, a payment equal to the actual cash value and deductible is due. Final payment is not due until all insurance proceeds have been received by you. Repairing hail damage or wind damage on your property with equivalent material and quality is required and expected by your insurance carrier and mortgage holder, if applicable. Utilizing the insurance adjustment to define the scope of work insures proper replacement and repair.
How do insurance payments work?
The insurance claim process has changed over the years due to the high amount of scams and fraudulent insurance claims filed. Getting a lower “bid” for an insurance claim won’t save you any money. Insurance companies use a two payment method to pay out insurance claims. The insurance company only releases the second check upon proof of cost + proof of completion. They will only release applicable depreciation up to what you incur. In other words, if you choose a company that gives you a low estimate and provides standard work, the insurance company will pay only the amount of the low estimate.
Do I have to use the contractor my insurance company recommends?
No. In Texas you choose your own contractor. Some carriers run managed repair or direct repair programs with a list of preferred vendors, and Dimensional Pro is a preferred vendor on these programs. Using a program contractor is your choice either way.
Can a roofer waive my deductible?
No, and you should walk away from anyone who offers. Under Texas law it is insurance fraud to waive, absorb or rebate a deductible on a property insurance claim, and the exposure falls on the homeowner as well as the contractor.
What if my claim is denied?
A denial is frequently not final. Claims are often denied because the adjuster missed damage, applied the wrong storm date, or scoped only part of the roof. With proper photo documentation we can request a re-inspection and file a supplement.
Start your claim with a free inspection
No cost, no obligation, and a photo report you keep either way. If there is nothing wrong with your roof, we will tell you that.
We answer or call back in under 15 minutes during business hours.
Free inspection scheduled within 24 hours.
Emergency tarping on site the same day.
Prefer to talk to someone?(855) 741-ROOF
Water coming in right now? We tarp same day.
Want to pay monthly? See financing options.