Replace Your Roof Through Insurance: What Homeowners Need to Know (and How We Help)

Storms don’t ask permission. One day your roof looks fine; the next, wind or hail has shaved years off its life. If your home has storm damage, your homeowners insurance may cover a repair or full replacement—often leaving you responsible only for your policy deductible (policy-dependent). Below is a practical guide to how claims work, what to expect financially, and how Interstellar Roofing can make the process straightforward.

First: What does insurance typically cover?

Most homeowners policies cover sudden, accidental damage from wind and hail. National data show wind/hail is one of the most common claim types, with an average settlement around $11,700 (multi-year average; actual amounts vary by policy and damage). Source: Insurance Information Institute

Important: Coverage depends on your specific policy (Actual Cash Value vs. Replacement Cost), roof age, and exclusions. We review this with you before any claim steps.

About deductibles (and what we can’t do)

By law, your deductible is your responsibility. Contractors cannot waive or “cover” deductibles—that practice is illegal in Texas and many other states. Source: Texas Department of Insurance

Our no-pressure, start-to-finish process

1. Free Drone Roof Inspection

   We use high-resolution drone imaging to safely document wind creasing, missing shingles, hail impacts, and soft-metal bruising. You get a clear visual report to decide next steps.

2. Storm Verification & Guidance

   We cross-check NOAA’s Storm Events Database for your area to understand timing and severity—useful context when speaking with insurers.

3. Claim Support

   If damage is consistent with a covered peril, we help you file the claim, meet the adjuster on site, and supply photo/video documentation so your carrier can make an informed decision. (This support matters—industry studies show claim experiences have become more complex in recent years.)

4. Scope Alignment & Quality Build

   We align the scope with your carrier’s estimate, explain options (like shingle class upgrades), and complete the work to code and manufacturer specs—then perform a meticulous final inspection.

How much will I pay out of pocket?

• Usually: your deductible, plus any elective upgrades you choose (e.g., impact-resistant shingles).

• Sometimes more: if your policy pays Actual Cash Value (ACV) on older roofs, you may be responsible for depreciation not recoverable under the policy.

• Sometimes less: if your policy is Replacement Cost (RCV), depreciation may be recoverable after completion and proof of work, reducing your net cost to roughly the deductible (again, policy-specific).

We’ll walk you through your declarations page so there are no surprises.

Why a new roof can be a smart investment

Even when an insurance claim drives the decision, a new, code-compliant roof can deliver long-term value:

• Home value & saleability

  Remodeling Magazine’s Cost vs. Value Report shows roof replacements can return around 60–68% on resale, with many homes selling faster when the roof is new.

• Energy savings (climate-dependent)

  Upgrading to cool/reflective roofing in the right conditions can reduce cooling energy use significantly—especially in hot climates. Actual results vary by climate, insulation, and roof color.

• Stronger weather performance

  Selecting shingles rated to ASTM wind standards and proper installation details (decking, underlayments, flashings) helps your roof resist future storms and may reduce claim risk.

When should I consider filing a claim?

• You see missing/creased shingles, hail marks on soft metals (vents, gutters), or leaks after a storm.

• Neighbors are getting inspections or roof work after the same weather event.

• A recent NOAA/Storm Prediction Center report shows hail or high winds in your ZIP around the date you noticed issues.

If you’re unsure, start with our free drone inspection—no obligation.

FAQs

Can I end up paying nothing?

Sometimes homeowners pay only the deductible when policies are RCV and there are no excluded items; paying nothing at all is uncommon and typically not lawful if it implies waiving the deductible.

Will my premium go up if I file a claim?

It’s possible. Premiums are influenced by many factors, including area-wide storm losses. Consumer tip from III.

What about FEMA—does it help with roofs?

FEMA can assist after federally declared disasters when insurance is insufficient, but it’s not a substitute for homeowners insurance.

Why choose Interstellar Roofing

• Safety & Compliance: We follow strict safety protocols and carry comprehensive insurance.

• Documentation Pros: Drone imagery and detailed reports to support your claim.

• Policy-Savvy Guidance: We speak “insurance” in plain English and align scope correctly.

• Quality Craftsmanship: Installed to code and manufacturer specs, followed by a spotless cleanup and final inspection.

  
  

Ready to check your roof?

Book your free drone inspection. If we find qualifying wind or hail damage, we’ll help you start the claim and handle the details—so you can protect your biggest asset with clarity and confidence.