Understanding Roofing Insurance in Texas: A Guide for Texas Homeowners
Understanding Roofing Insurance: A Guide for Texas Homeowners
Today, is the perfect time for Texas homeowners to get clear on how roofing insurance actually works. Whether you're dealing with storm damage or just trying to be proactive, understanding the details—from deductibles to policy types—can save you thousands and reduce a ton of stress.
At Legacy Roofing and Contracting, we’ve worked with hundreds of Texas homeowners just like you. And we’re here to break it all down in a way that makes sense—no jargon, no fluff, just helpful info.
What Is a Roofing Insurance Deductible?
Let’s start simple. A deductible is the amount of money you pay out of pocket before your insurance kicks in to cover the rest.
So, if your roof repair totals $10,000 and you have a $2,000 deductible, you're responsible for that first $2K—then your insurance covers the remaining $8,000.
Deductibles can vary, and understanding yours is key to knowing what to expect if something goes wrong with your roof. You can also check out TDI’s deductible guide for an official breakdown.
Flat Rate vs. Percentage-Based Deductibles
Not all deductibles are created equal.
Texas has seen a big shift away from flat-rate deductibles (like a fixed $500) to percentage-based deductibles. These are based on the insured value of your home.
Let’s say your home is insured for $350,000. If your deductible is 1%, you’re on the hook for $3,500 before insurance pays a cent. A 2% deductible? That’s $7,000.
That’s why it’s so important to know which kind you have—especially before a big storm rolls through Crowley or the greater DFW area.
ACV vs. RCV Policies (This One’s a Biggie)
If your roof is more than 5-10 years old, your insurance provider might only offer you an ACV policy—which stands for Actual Cash Value. Sounds okay, but here’s the catch:
ACV pays you the depreciated value of your roof, not what it costs to actually fix or replace it.
On the flip side, an RCV policy (Replacement Cost Value) covers the full replacement or repair cost. It’s more comprehensive and can seriously save you money down the road—especially with the rising cost of roofing materials.
We always recommend asking your insurance agent (or letting us help you check) what kind of policy you have.
How Long Do Insurance Claims Really Take?
Here’s what most contractors won’t tell you: getting a claim approved isn’t always fast.
Even if an adjuster comes out quickly, the entire process—from inspection to paperwork to final payment—can drag on for weeks or even months.
We’ve seen it happen.
Insurance companies get swamped after hail storms or hurricanes, and the delays can get real frustrating real fast.
That’s where Legacy Roofing steps in. We work directly with your insurance carrier to help push things forward and keep you informed every step of the way.
Common Roofing Insurance Pitfalls (And How to Avoid Them)
Assuming you’re covered for everything – Some policies exclude wind or hail damage. Always double-check.
Not knowing your deductible type – Percentage-based deductibles catch a lot of people off guard.
Missing the inspection deadline – Many policies require roof inspections within a set time after damage. Don’t wait too long.
Going with the lowest bidder – Cheap bids can get denied by insurance or leave you with poor workmanship.
Not choosing an RCAT-licensed contractor – That’s a red flag to insurers and can cause headaches later.
Avoiding these mistakes means smoother claims, faster repairs, and way less stress.
Why Work With Legacy Roofing and Contracting?
RCAT Licensed and fully insured in Texas
Locally owned and operated in Crowley, TX
Over 296+ 5-star reviews on Google
Honest timelines and transparent quotes
We’re proud to serve Crowley and the surrounding DFW communities, providing dependable, no-pressure roof inspections, fast response after storms, and full guidance through the insurance process.
Helpful Resources for Texas Homeowners
Final Thoughts: Know Your Policy, Protect Your Roof
Insurance shouldn’t feel like a guessing game.
Whether you’re dealing with storm damage, filing a claim, or just reviewing your coverage, the more you know, the better decisions you can make—and Legacy Roofing is here to help every step of the way.
Let’s protect what matters most—your home.
Call us at (817) 602-2057
Email: [email protected]
Visit: 3908 Williamson Rd #120, Crowley, TX 76036
Request your free roof estimate here
