Divided Sky contractor documenting storm damage for an insurance claim

Insurance Claims

We Handle Your Claim.
You Keep Your Home.

Storm damage is stressful enough. We document everything, meet with your adjuster, fight for full coverage, and handle the repairs — so you don't have to navigate the insurance maze alone.

Free Storm Damage Inspection Call (512) 995-7663

500+

Claims Handled

Out of Pocket*

4.9★

Google Rating

A+

BBB Rating

*Most homeowners pay only their deductible when the claim is approved.

The Reality

Insurance Companies Aren't
on Your Side.

They'll minimize damage, delay payments, and deny valid claims. You need someone in your corner who knows the game — and knows your roof.

Underpaid Claims

Adjusters often miss damage or undervalue repairs. Without a professional inspection report, you won't know what you're owed.

Delayed Timelines

Insurance companies drag their feet. Meanwhile, a damaged roof leads to leaks, mold, and bigger problems. Speed matters.

Wrongful Denials

Valid claims get denied every day. Without proper documentation and someone who knows the code requirements, you're fighting blind.

How It Works

From Storm to Restored.

We handle every step of the insurance claims process — you just point us at the damage.

Free Storm Inspection

We inspect your entire roof and exterior — shingles, flashing, gutters, siding, vents, skylights. No cost, no obligation. If there's no damage, we'll tell you honestly.

Full Documentation

Every piece of damage gets photographed, annotated, and compiled into a professional report. This is the evidence your insurance company needs — and the ammunition for your claim.

File Your Claim

We guide you through filing — or handle it directly with your insurance company. We know exactly what they need to see and how to present it so nothing gets overlooked.

Meet with Your Adjuster

We meet the insurance adjuster on your roof — in person. We walk them through every piece of damage, point out what they missed, and make sure the scope matches the real repair cost.

Repairs Done Right

Once your claim is approved, we complete all repairs with the same quality and thoroughness we're known for. Lifetime workmanship warranty on everything we install.

Start Your Claim — Free Inspection

Our Documentation

The Evidence That
Wins Claims.

Insurance companies respect thorough documentation. Ours is built to meet — and exceed — what adjusters need to approve full coverage.

Detailed Photo Report

Every damaged area photographed close-up and wide-angle, with annotations showing exact location and type of damage.

Damage Mapping

A full-roof diagram marking every impact point, crack, crease, and missing component — the same format adjusters use internally.

Material & Code Specifications

We spec the exact materials needed and cite local building codes, so the adjuster can't downgrade your repair to a cheaper option.

Supplement Documentation

When the initial payout falls short, we prepare and submit detailed supplements with additional evidence to close the gap.

Professional damage documentation report on a tablet

What We Cover

Every Type of Storm Damage.

From golf-ball hail to straight-line winds — we've seen it all and know exactly how to document and repair each type.

Hail Damage

Bruised shingles, cracked vents, dented gutters, and fractured siding. Hail damage is often invisible from the ground — but it shortens your roof's life dramatically. We find every impact.

Wind Damage

Lifted, creased, or missing shingles. Blown-off ridge caps. Damaged flashing. Wind damage exposes your roof deck to water and gets worse with every storm. We document the full scope.

Water & Leak Damage

Active leaks, water stains, attic moisture, and interior damage. When water is getting in, we respond fast — emergency tarping first, then full inspection and claims support.

Divided Sky contractor meeting with insurance adjuster on roof

The Adjuster Meeting

We're There With You.

Most roofing companies hand you an estimate and wish you luck. We meet your insurance adjuster on-site, walk the roof together, and make sure every damaged component is accounted for.

On the Roof Together

We walk the adjuster through every impact, every crease, every missing piece — so nothing gets overlooked or undervalued.

Code & Material Accuracy

We ensure the adjuster's scope matches current building code requirements and uses the correct materials — not a cheaper substitute.

Supplement If Needed

If the initial estimate is short, we don't just accept it. We prepare detailed supplements with additional documentation to close the gap.

Know Your Rights

What Texas Homeowners
Should Know.

✓

You Choose Your Contractor

Your insurance company cannot force you to use their "preferred" contractor. You have the legal right to hire whoever you trust.

✓

You Can Supplement

If the initial payout doesn't cover the full repair, you have the right to submit supplemental documentation for additional coverage.

✓

You Can Challenge Denials

A denial isn't the final word. You can request re-inspection, provide additional evidence, and escalate through your state's insurance department.

✓

Documentation Is Everything

The more thorough and professional your damage report, the harder it is for an insurance company to underpay or deny your claim.

Why Divided Sky

Not Every Roofer Knows
Insurance.

Plenty of contractors can fix a roof. Very few know how to navigate the insurance process, maximize your claim, and get you the coverage you're owed. That's where we're different.

500+ Claims Handled

We've been through the process hundreds of times. We know how adjusters think, what they look for, and how to present documentation that gets approved.

We Meet Every Adjuster

We don't hand you an estimate and hope for the best. We're on the roof with the adjuster, walking them through every damaged component.

No Pressure, No Games

If there's no damage, we tell you. If the damage isn't worth a claim, we tell you that too. We don't manufacture claims — we fight for legitimate ones.

Full Roof + Exterior Scope

We don't just look at shingles. We document damage to gutters, siding, vents, screens, fencing — everything that's covered. Most homeowners leave money on the table.

Supplement Specialists

When the first check falls short, we prepare professional supplements with additional evidence and line-item breakdowns to recover the full amount.

Lifetime Workmanship Warranty

Every repair and replacement is backed by our lifetime workmanship warranty. We don't just get you paid — we make your home better than before the storm.

What Homeowners Say

Real Claims.
Real Results.

★★★★★

"Our insurance company initially denied our claim. Divided Sky came out, documented everything properly, and the claim was approved on re-inspection. They saved us thousands."

— San Marcos Homeowner

★★★★★

"They met with our adjuster and found $8,000 worth of damage the adjuster missed on the first pass. The supplement was approved within a week. Incredible service."

— Kyle Homeowner

★★★★★

"I was overwhelmed by the whole insurance process. Divided Sky handled everything — I barely had to lift a finger. New roof looks amazing and I only paid my deductible."

— Buda Homeowner

FAQ

Insurance Claim Questions.

How do I know if I have storm damage? +

After any significant storm (hail, high winds, heavy rain), schedule a free inspection. Many types of storm damage — especially hail damage — are invisible from the ground. We'll inspect your entire roof and exterior and give you an honest assessment.

Will filing a claim raise my insurance rates? +

In Texas, insurance companies cannot raise your rates for filing a weather-related claim — it's considered an "Act of God." Your rates are based on the overall risk in your area, not individual weather claims. Filing a legitimate claim is your right as a policyholder.

What does the insurance claim process cost me? +

Our inspection and claims assistance are completely free. If your claim is approved, you typically pay only your deductible — your insurance covers the rest. We work directly with your insurance company to ensure the full repair cost is covered.

My claim was denied. Can you help? +

Absolutely. Many claims are denied initially due to insufficient documentation or adjuster oversight. We can perform a new inspection, prepare comprehensive documentation, and help you request a re-inspection. In many cases, denied claims get approved on the second review with proper evidence.

How long does the insurance claim process take? +

From inspection to adjuster meeting typically takes 1–3 weeks, depending on your insurance company's scheduling. Once approved, we can usually start repairs within 1–2 weeks. The entire process from storm to completed repairs averages 4–8 weeks.

What if the insurance payout isn't enough? +

This is common — and it's exactly where our supplement process comes in. We prepare detailed additional documentation showing the gap between the approved amount and the actual repair cost, then submit it to your insurance company. Most supplements are approved within 1–2 weeks.

Do I have to use the contractor my insurance recommends? +

No. In Texas, you have the legal right to choose your own contractor. Insurance companies may suggest a "preferred vendor," but you are not obligated to use them. Choose a contractor you trust — one who works for you, not the insurance company.

We Handle Your Claim.
You Keep Your Home.