How Roof Insurance Claims Work in Texas

Texas roof insurance claims confuse a lot of homeowners — and that confusion costs money. Here's how the process actually works, in plain English.

RCV vs ACV

Most Texas HO-3 policies are written as RCV (replacement cost value) — they pay full replacement cost minus your deductible, in two separate checks. ACV (actual cash value) policies pay only the depreciated value of your old roof. Always check your declarations page to confirm which you have.

Your Wind/Hail Deductible

Most Texas policies use a percentage wind/hail deductible — typically 1% or 2% of Coverage A (dwelling). On a $400,000 home, that's $4,000-$8,000. This deductible only applies to wind/hail claims and is separate from your standard deductible.

The Two-Check Process

After your claim is approved, the carrier sends an ACV check minus your deductible. After the roof is replaced to scope, the carrier releases the recoverable depreciation (RCV) — your final check that brings you whole minus your deductible.

Supplements Are Normal

It's normal for the first scope to miss line items. Common missed items: drip edge, ice & water shield, decking replacement, code upgrades, ridge vent, pipe boots, satellite reset, painted flashing, solar panel detach & reset. Your roofer files supplements to get these covered.

Code Upgrade (Ordinance & Law)

Most Texas HO-3 policies include Ordinance & Law coverage — typically 10-25% of Coverage A — which pays for current building code requirements not on your old roof. Common code upgrades include synthetic underlayment, ice & water shield in valleys, and balanced ventilation.

Filing a roof insurance claim in Texas isn't complicated, but the details matter. Max Exteriors handles the documentation, adjuster meeting, and supplements so your claim reflects the real damage. Call (469) 779-7325.