(214) 807-0414Request an assessmentInsurance boundaries
There is a hard line in Texas between documenting a building and handling a claim. A roofing contractor sits on one side of it. Adjusting your loss, interpreting your policy and negotiating with your carrier sit on the other, and they belong to roles a roofing contractor does not hold. What follows is exactly where our work stops.
In short
We document the visible condition of the roof and connected exterior components, we write a construction scope for the repair or replacement, and we price our own labour and materials. That is contracting work, and it is all of it.
01
Texas law prohibits a contractor from acting as a public insurance adjuster on a property they are also contracting to repair. The reason is obvious once stated: the person telling you what your loss is worth should not be the person who gets paid out of it. We accept that boundary rather than work around it.
02
We can tell you that a section of flashing is deformed and photograph it. We cannot tell you whether that deformation is a covered peril under your policy. Those are different questions answered by different people, and collapsing them is where most of the bad behaviour in this trade starts.
03
Watch for a contractor who offers to handle the claim for you, promises a specific outcome, tells you what your damage is worth before an adjuster has seen it, or asks you to sign an agreement that assigns your claim rights to them. Read anything like that carefully before signing, and take the time to do it.
Questions
We can meet an adjuster on the roof and walk them through what we observed and what our construction scope includes. That is describing our own work. We do not argue coverage, dispute their determination, or represent you in the claim.
That is your decision and we have no stake in it. If you want someone licensed to represent you in the claim itself, a public adjuster does that and a roofing contractor cannot. Verify any licence directly with the Texas Department of Insurance.
No. We will document what we see and give you a written record. Whether to file, and what a carrier does with it, is between you and your insurer.
We can itemise our construction scope in detail, by quantity and by named product, which is what an estimator needs in order to set it beside their own. What we will not do is present that document as a claim position or as a statement of what your loss is worth. The format is a convenience and the boundary does not move with it. Our estimate describes what we would build and what we would charge to build it.
Yes, and the two do different jobs. A public adjuster is licensed to represent you in the claim itself. A contractor documents the construction condition and performs the work. Neither replaces the other, and no public adjuster is going to put a roof on. If you engage one we provide the same documentation and the same scope we would otherwise. What we will not do is take direction on what to say about coverage.
Assessment request
Short, routing-only questions. Nothing here asks you to diagnose the roof yourself.