Roofing Documentation for Insurance Claims
Understand the roof records to keep after a DFW storm and how a contractor’s construction estimate differs from your insurer’s coverage decision.
Keep the roles clear
SkyGuard can inspect accessible roof conditions, take photographs, and prepare a construction estimate for work we may perform. Your insurer evaluates the claim under your policy. A construction estimate does not guarantee that insurance will cover a repair, a replacement, or every line item.
Texas restricts a contractor from acting as a public adjuster for property on which that contractor may perform work. We do not negotiate your settlement or represent you as an adjuster. Read the Texas Department of Insurance’s roofing and insurance guidance for the consumer rules.
A practical documentation checklist
- Record the date you noticed the damage and keep safe photographs of the condition.
- Contact your insurer directly about reporting requirements, deadlines, deductibles, and policy questions.
- Keep receipts for temporary protective work and ask the insurer about its documentation requirements.
- Request a written roofing scope that identifies materials, labor, exclusions, and any allowance for hidden damage.
- Keep signed contracts, approved changes, invoices, and final project photographs with your claim records.
Compare scopes before authorizing construction
If the insurer’s estimate and the contractor’s scope differ, ask for an explanation of the construction items and give factual supporting documents to your insurer. Coverage questions belong with the insurer or an appropriately qualified adviser. Do not assume that signing a roofing agreement transfers those decisions to your contractor.
We do not waive or rebate your insurance deductible. TDI explains that Texas law prohibits a contractor from offering to do so. Read the payment schedule and the full written agreement before authorizing work.
Questions before you schedule
Can SkyGuard tell me whether my roof damage is covered?
We can describe observed roof conditions and proposed construction work. Coverage is determined by your insurer under your policy.
Do I have to replace the roof to make a claim?
An inspection helps identify the condition and reasonable construction scope. Your insurer can explain its claim requirements; a storm does not automatically require replacement.
Discuss your roof’s condition
Tell us your city, the roof problem, and how to reach you. We will follow up to discuss access and scheduling.