When Will Insurance Pay
When Will Insurance Pay for a Full Roof Replacement? What Texas Homeowners Need to Know
Roofing Insurance Questions? You’re Not Alone
If you’re like most homeowners in Texas, dealing with roof damage after a storm can be overwhelming—especially when it comes to insurance claims. The good news? You don’t have to navigate it alone.
At Legacy Roofing and Contracting, we specialize in helping homeowners understand their rights, the insurance process, and when they may qualify for a full roof replacement. Whether your roof was hit by hail, wind, or time itself, this guide breaks it all down in plain English.
Does Insurance Cover Roof Replacement?
The short answer is: sometimes yes—and sometimes no. Homeowners insurance will often cover the cost of a new roof if the damage is caused by a covered peril, such as:
Hailstorms
Wind damage
Fire
Vandalism
Falling trees
But coverage depends on your policy, your deductible, and the extent of the damage.
Here’s the rule of thumb:
If the damage exceeds 25% of your roof’s surface area—and the roofing work was permitted at the time of installation—your insurance company may cover the cost of replacing the entire roof.
How Legacy Roofing and Contracting Helps Homeowners
At Legacy Roofing and Contracting, we’re not just another roofing company. We’re your neighbors, your advocates, and your boots-on-the-ground team in Tarrant County, Texas.
Our team:
Performs free roof inspections
Documents damage with photo or video evidence
Meets with your insurance adjuster
Helps you understand your coverage
Delivers high-quality roofing replacements and repairs
Whether you live in Crowley, Fort Worth, or nearby, we treat every roof like it's protecting our own family.
Roof inspection underway by Legacy Roofing and Contracting team in Tarrant County.
Signs You Might Qualify for a Roof Replacement
Wondering if it’s time to call a pro? Look for these signs:
Shingles missing or curling
Water stains on ceilings or walls
Granules in gutters
Soft spots on the roof
Neighbors getting new roofs (after the same storm)
📌 Pro Tip: If your roof is over 15 years old, it’s especially important to get it inspected annually—even without visible damage.
Why Texas Roofs Are at Higher Risk
Texas is no stranger to hail, tornadoes, and brutal heat cycles. These conditions put extra strain on your roof, accelerating wear and tear. That’s why insurance claims are more common here than in many other states.
What If the Insurance Adjuster Denies Your Claim?
Unfortunately, it happens. Insurance adjusters may:
Miss key damage areas
Underestimate costs
Deny coverage based on policy loopholes
But you’re not powerless.
We’ll work with you to:
Request a second inspection
Provide contractor documentation
Recommend a public adjuster if needed
Don’t take a denial as the final word. At Legacy Roofing and Contracting, we fight for what's fair.
What Makes Legacy Roofing Different?
Not all roofing contractors are created equal. Here's what sets us apart:
✅ 5.0-star rating from over 296 Google reviews
✅ RCAT Licensed and fully insured in Texas
✅ Locally owned and operated
✅ Transparent quotes and honest timelines
📍 Visit us at:
3908 Williamson Rd #120, Crowley, TX 76036
📞 Call us: (817) 602-2057
📧 Email: [email protected]
Trusted External Resources
For those who like to go deeper, we recommend:
These organizations offer unbiased information on insurance, standards, and home protection.
Summary: What You Need to Know
Here’s a quick recap of what we’ve covered:
Insurance may cover full roof replacement if 25%+ of the roof is damaged by a covered event.
Legacy Roofing and Contracting handles inspections, adjuster meetings, and top-tier repairs.
Texas roofs take a beating—so regular inspections are crucial.
If your claim is denied, don’t give up. There are options.
Choose a roofing contractor with integrity, experience, and community roots.
Ready to Protect Your Home?
If you’re unsure about your roof’s condition or have questions about insurance coverage, we’re here to help.
👉 Contact Legacy Roofing and Contracting today!
📞 (817) 602-2057
📧 [email protected]
📍 3908 Williamson Rd #120, Crowley, TX 76036
💻 Prefer to skip the call? Request your free roof estimate online — fast, easy, and no pressure.
Your roof protects everything you love. Let’s make sure it’s in the right hands.
