Texas Roof Insurance Claim Process Explained | Step-by-Step Guide by Risner Roofing

Hi, I'm Cody from Risner Roofing. In this video, we walk you through the entire process of filing a roof insurance claim in Texas. Learn the steps from initial damage inspection to final roof replacement, including what to expect from adjusters, understanding your Estimated Cost of Replacement (ECR), and ensuring you get fair market value for your roof replacement. Whether you've experienced hail damage or just need a maintenance check, this guide will help you navigate the insurance claim process with confidence.

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Key Points Covered:
1. Noticing Roof Damage
2. Contacting a Roofing Contractor
3. Filing an Insurance Claim
4. Adjuster’s Inspection
5. Reviewing the ECR
6. Roof Replacement Process
7. Post-Replacement Steps

Glossary of Terms:
- Estimated Cost of Replacement (ECR): The calculated amount needed to replace your roof at current market prices.
- Fair Market Value: The current prices for labor, materials, and other costs associated with roof replacement.
- Recoverable Depreciation Amount Check: The portion of the claim held back by the insurance company to ensure the roof replacement is completed.

3 Types of Adjusters:
1. Third-Party Adjuster: An unbiased adjuster who reports findings to the insurance company.
2. Internal Adjuster: An in-house adjuster who conducts external inspections and reports to a desk adjuster.
3. Desk Adjuster: An adjuster who both performs inspections and makes determinations on-site.

If you have any questions or need assistance, feel free to reach out to us at Risner Roofing. Don't forget to like, comment, and subscribe for more helpful roofing tips and guides!

512-210-1122

VIDEO CHAPTERS:
Introduction to Risner Roofing (0:00)
Noticing Roof Damage (0:07)
Contacting a Roofing Contractor (0:07)
Inspection and Documentation (0:18)
Filing an Insurance Claim (0:49)
Adjuster’s Inspection (1:19)
Types of Adjusters (1:39)
Reviewing the Estimated Cost of Replacement [ECR] (2:22)
Determining Fair Market Value (3:32)
Roof Replacement Process (3:52)
Handling Depreciation Checks (4:21)

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#roofreplacement #insuranceclaims #haildamage #roofmaintenance