Storm Damage FAQ
Roof Repair Advice From Your Wimberley Roofing Company

    Get a Free Estimate

    Enter your information below, and we'll follow up to discuss your needs and goals so we can get you a no-hassle estimate!

    icon of a sun with a check mark100% Secure — We will never spam you or sell your information.

    Insurance Advice

    Your Questions Answered

    At Divided Sky Roofing & Solar, we often have clients ask us questions about filing insurance claims for a new roof. We get it; insurance can be a very tricky subject to maneuver. In the interest of keeping our customers fully informed, we’ve put together some of the most common questions or concerns about insurance claims below.

    Your Questions Answered

    At Divided Sky Roofing & Solar, we often have clients ask us questions about filing insurance claims for a new roof. We get it; insurance can be a very tricky subject to maneuver. In the interest of keeping our customers fully informed, we’ve put together some of the most common questions or concerns about insurance claims below.

    grass closeup with blurred home in the distance

    I’m not sure if it’s worth filling a claim?

    Let us take a look and see how much damage you actually have and if we think it is something your insurance will cover. We work with insurance companies daily and have several former adjusters who know exactly what to look for and how to estimate the amount your insurance will cover for a covered loss. Our rule of thumb is unless we are confident you have enough damage to substantially cover your deductible, we will not advise you to file a claim. We don’t want to waste everyone’s time on claim and ruin any claims free discounts you may have for a negligible amount if any.

    person opening an empty wallet

    My Deductible Is High, I Don’t Have the Money to Pay Right Now, I Want to Wait to File a Claim.

    Long gone are the days of $500 deductibles for storm damage. Today most policies have deductibles that range from 1-2% of the total insured amount. 1% is the most common so for a $200,000 home the deductible amount is typically $2,000 with an average roof replacement cost close to $9,000. The deductible amount is taken out of the settlement amount after the claim is adjusted.

    woman wondering if there are any better options to get her roof replaced or repaired

    Is There an Upside?

    You do not have to pay the deductible to file the claim. The deductible amount is paid directly to the contractor you choose to repair your storm damage. The good news is we are able to finance that amount for you so your home can get repaired!

    It is illegal per Texas law for a company to “PAY YOUR DEDUCTIBLE” or offer a “FREE ROOF” in conjunction with an insurance claim. See Chapter 35 Insurance Fraud Section 35.02(7)(B) BUSINESS & COMMERCE CODE CHAPTER 27. FRAUD § 27.02. CERTAIN INSURANCE CLAIMS FOR EXCESSIVE CHARGES.

    letter tiles spelling out the word scam on a keyboard with a magnifying glass over the letters

    What is the “Free Roof” Scam?

    A free roof probably sounds too good to be true, and the truth is – it is. For example, if a New Braunfels roofer advertises or offers a free roof, he or she is engaging in insurance fraud and you as a homeowner can end up paying much more than expected for your roof. There could also be expensive legal consequences.

    roof replacement in progress viewed from above

    How Can I Avoid the “Free Roof” Scam?

    There are several ways roofing scams may be presented to homeowners:

    • A roofer offering to pay your deductible
    • Inflating your insurance invoice to cover the deductible
    • Advertising deductible reimbursement

    All of the tactics mentioned above violate Texas law and as a homeowner you could be left dealing with insurance fraud penalties. Many dishonest roofers that engage in the free roof scam will also leave town without finishing or correctly repairing your roof, costing you even more than you planned. Find out more about how to Avoid the “Free Roof” Scam.

    Dive In

    Want to learn more about storm damage? Browse the latest news, tips, and advice we’ve shared in our storm damage blog posts.

    Don’t Fret Over Storm Damage – We’ve Got You Covered!