Getting a new roof isn’t cheap—and if yours has been damaged by a storm or weather event, you may be wondering how to get insurance to pay for roof replacement. In Killeen, TX, where hail, high winds, and extreme heat are common, roof damage is a frequent issue. But navigating insurance can feel overwhelming if you don’t know where to start.
At Smith & Sons Roofing, we help homeowners get the most out of their insurance claims every day. This blog walks you through the full process of getting insurance to cover a roof replacement—and how to improve your chances of approval.
Step 1: Understand What Insurance Typically Covers
Most standard homeowners insurance policies cover roof damage caused by sudden and accidental events, such as:
- Hail storms
- Windstorms or tornadoes
- Falling trees or branches
- Fire
However, insurance does not cover damage due to:
- Normal wear and tear
- Neglect or poor maintenance
- Improper installation or materials
- Old age (typically 20+ years)
So if your roof was damaged during a Killeen hailstorm, you’re likely covered. But if your roof is simply worn out due to age, you may not be eligible.
Step 2: Know the Difference Between ACV and RCV Policies
Insurance policies usually pay out one of two ways:
- Actual Cash Value (ACV): Pays what your roof is worth today, after depreciation. For older roofs, this could be a small amount.
- Replacement Cost Value (RCV): Pays for the full cost of a new roof, minus your deductible, regardless of depreciation.
RCV policies offer better protection, but they also tend to have higher premiums. Check your policy to see which type you have—or contact your insurance agent for clarity.
Step 3: Schedule a Professional Roof Inspection
Before you file a claim, call a trusted roofing contractor in Killeen, TX, like Smith & Sons Roofing. A professional inspection will:
- Assess the damage accurately
- Determine if damage is storm-related
- Provide photo documentation for your claim
- Identify issues you may not notice from the ground
This step is crucial to making a strong case to your insurance company.
Step 4: File Your Insurance Claim Promptly
Time is of the essence. Most insurance companies require claims to be filed within a limited window—often 6 to 12 months after the event.
To file a claim:
- Call your insurance provider or submit the claim online.
- Provide details about the storm and any damage.
- Upload inspection reports and photos.
- Request a claims adjuster to visit your home.
If you’re unsure what to say or submit, your roofing contractor can help walk you through the process.
Step 5: Meet with the Insurance Adjuster
Once your claim is initiated, an adjuster will inspect your roof. This is where many claims are either approved or denied.
To improve your outcome:
- Have your roofer present during the adjuster’s inspection
- Provide photos from before and after the storm
- Let your roofer point out areas of damage that align with storm activity
Smith & Sons Roofing often meets with adjusters on behalf of our clients to ensure nothing is overlooked.
Step 6: Review the Insurance Estimate
After the adjuster’s visit, you’ll receive a claim estimate outlining:
- What’s covered
- What’s not covered
- How much will be paid (minus deductible)
Sometimes the estimate doesn’t match the full scope of damage. That’s when your contractor can file a supplemental claim to dispute or expand the coverage.
Step 7: Choose a Trusted Roofing Contractor in Killeen, TX
Once approved, you can move forward with roof replacement. Choose a licensed and insured contractor with experience in insurance work.
Here’s what to look for:
- Proven local experience
- Warranty-backed workmanship
- Help with supplements and final documentation
- Familiarity with Killeen building codes
Smith & Sons Roofing has helped hundreds of homeowners in Killeen get full roof replacements approved and installed quickly.
What If Your Claim Gets Denied?
If your insurance company denies your claim, don’t panic. You still have options:
- Request a Second Inspection: Sometimes a second adjuster will come to a different conclusion.
- File an Appeal: Provide additional documentation and push for a reevaluation.
- Hire a Public Adjuster: They work independently to represent your interests.
- Explore Financing Options: Smith & Sons Roofing offers flexible payment plans to help cover uncovered costs.
Local Tips for Killeen Homeowners
If you live in Killeen or surrounding Central Texas areas, keep these tips in mind:
- Storms Are Seasonal: Spring and fall bring the highest risk for hail and wind.
- Document Annually: Take photos of your roof every year and after each major storm.
- Maintain Your Roof: Insurance is more likely to cover damage if you’ve kept your roof in good condition.
- Work with Local Experts: Out-of-town storm chasers don’t have the same commitment to Killeen homeowners.
Why Work With Smith & Sons Roofing?
We specialize in helping Killeen homeowners get their roofs replaced through insurance. Our process includes:
- Free storm damage inspections
- Full photo documentation
- Adjuster coordination
- Supplement assistance
- Quality installation backed by warranty
Whether you’ve just had a storm or you’re preparing for the next one, we’re here to help every step of the way.
Insurance Can Pay—If You’re Prepared
Knowing how to get insurance to pay for roof replacement can save you thousands. It starts with preparation, proper documentation, and the right team by your side.
Smith & Sons Roofing is proud to offer expert roofing services in Killeen, TX. We’ll help you determine if your roof qualifies for insurance coverage—and guide you through the process from inspection to installation.
Need Help With a Roof Insurance Claim in Killeen?
Schedule a free inspection with Smith & Sons Roofing today. We’ll assess your roof, answer your insurance questions, and make sure your home is protected.
