Texas storm claims aren't won in the kitchen. They're won on the slope, with chalk circles and a Heritage rep standing next to the adjuster.
We've run this play thousands of times. Here's exactly what happens on your roof.
A Heritage estimator climbs your roof, chalks each hail hit, photographs every slope, checks soft metals (gutters, vents, flashings) for impact evidence, and builds a written damage report. Free. No pressure to file.
If we find filable damage, we hand you a claim packet: dated photos, slope-by-slope hit count, code-required upgrade list (decking, drip edge, ice & water shield), and a Xactimate-formatted scope so your carrier sees it the way they want to.
When your carrier sends an adjuster, a Heritage rep climbs up with them — boots on the same shingles, pointing to every hit, every code item, every line you're owed. This single step is where most under-paid claims get saved.
Carrier approves, we order materials, schedule install. Most asphalt-shingle homes are tear-off, dry-in, and re-shingled in one day. We supplement any code items found during install. You pay your deductible — Heritage handles the rest.
In Texas, weather-related claims (hail, wind, hurricane) are act-of-God claims and are generally not used against your individual policy in renewal underwriting the way at-fault claims are. Premiums in a hail zone tend to rise after a regional storm whether you file or not. Ask your agent for specifics.
No — and any roofer who offers to is asking you to commit a crime. Under Texas Insurance Code §27.022, a contractor cannot waive, rebate, or absorb an insurance deductible. We collect your deductible. That's how a legitimate Texas roofer operates.
Most Texas property policies give you one year from the date of loss to file. The clock starts the day of the storm, not the day you notice damage. Get inspected early — even if you don't file right away.
When a roof comes off, we sometimes find decking rot, missing ice & water shield, or code-required items the adjuster didn't catch. We document those, submit a supplement to your carrier, and get them approved. You don't pay for code items the carrier should cover.
You have the right to request a re-inspection or a second adjuster. Heritage will be on the roof for that one too. If damage is real and well-documented, denials get reversed more often than carriers admit.
Yes — every major Texas carrier. We meet adjusters from all of them weekly. Heritage has no exclusive arrangement with any carrier; we work for you, not them.
Get a free Heritage inspection first. If it's filable, we handle the carrier paperwork and meet your adjuster on the roof.
Free claim inspection