Storm Damage & Insurance: What Happens After the Storm?

Storm Damage & Insurance: What Happens After the Storm? A Texas storm rolls through. The hail stops, the sky clears, and everything looks normal from the driveway. But what about your roof? Storm damage isn’t always obvious from the ground, and figuring out what to do next can feel overwhelming. The process doesn’t have to be complicated. Here’s a simple breakdown. Step 1: Start With the Condition of Your Property Before making assumptions about damage, start by finding out what’s actually there. Four Seasons Roofing & Exteriors offers complimentary roof & exterior inspections to document visible conditions and help homeowners better understand what we’re seeing. If we find areas consistent with storm damage, we’ll photograph and document those findings so you can see them for yourself. Step 2: Contact Your Insurance Company If you believe your property has suffered storm damage and decide to pursue an insurance claim, you—the homeowner—contact your insurance company or agent. Your insurance carrier determines coverage under your policy and may assign an insurance adjuster to inspect the property. Every policy is different, which is why questions about coverage, deductibles, and claim decisions should be directed to your insurance company or a properly licensed insurance professional. Step 3: The Insurance Adjuster Inspects the Property Your insurance company may send an adjuster to evaluate the reported damage and prepare an estimate. Having good photographs and documentation of the property’s condition can be helpful throughout this process. As your contractor, Four Seasons can provide construction-related information, measurements, photographs, estimates, and documentation concerning the work we’re proposing. We don’t determine insurance coverage or act as a public insurance adjuster. Step 4: Review the Scope of Work If your insurance carrier approves covered repairs or replacement, the next step is understanding what work needs to be completed. That’s where choosing the right contractor matters. Four Seasons can review the construction scope, inspect the property, prepare our estimate, and discuss the materials and work required to properly complete the project. Step 5: Complete the Work Once everything is ready to move forward, it’s time to put the property back together. Our goal is simple: provide clear communication, quality workmanship, and a straightforward experience from the first inspection through project completion. What About Your Deductible? Your deductible is your responsibility under your insurance policy. Texas law prohibits contractors from waiving, absorbing, rebating, or otherwise helping homeowners avoid paying an applicable insurance deductible. If another contractor promises to “eat your deductible,” that’s something you should take seriously. Not Sure If You Have Storm Damage? You don’t have to figure it out from the driveway. Start by having the property looked at. Schedule a complimentary roof & exterior inspection with Four Seasons Roofing & Exteriors. We’ll inspect it. We’ll document what we see. We’ll explain the construction side clearly. Then you can decide what comes next. Four Seasons Roofing & Exteriors, LLC Protecting What Matters Most. Protection Made Simple. 4sroofing.com