What Roof Damage is Covered by Insurance in Texas? Understanding Your Policy

As a homeowner in Texas, protecting your property from the state's unpredictable weather is crucial. From hailstorms to hurricanes, your roof bears the brunt of nature's fury, making it essential to understand what roof damage is covered by insurance.

At Punum Roofing of Houston, Inc., we've been a family tradition since 1998, helping homeowners navigate the complexities of roof damage and insurance claims. Our team of experts is well-versed in the intricacies of Texas insurance policies, ensuring you receive the coverage you deserve.

Common Causes of Roof Damage in Texas

Texas is no stranger to severe weather events that can wreak havoc on your roof. Here are some of the most common causes of roof damage that may be covered by your insurance policy:

Hail Damage

Hailstorms are a frequent occurrence in Texas, and the impact of hailstones can cause significant damage to your roof. Hail can cause dents, cracks, punctures, and granule loss on shingles, compromising your roof's integrity and leading to leaks and further damage.

Wind Damage

High winds, often accompanying thunderstorms, hurricanes, and tornadoes, can lift and tear off shingles, exposing the underlying roof deck to water damage. Additionally, flying debris during windstorms can puncture or dent your roof, requiring repairs or replacement.

Storm Damage

Hurricanes, tropical storms, and severe thunderstorms can bring a combination of high winds, heavy rain, and hail, resulting in extensive roof damage. From water intrusion to structural damage, these events can leave your roof in dire need of attention.

Understanding Your Insurance Policy

While most standard homeowner's insurance policies cover roof damage caused by covered perils like hail, wind, and storms, it's essential to review your policy carefully. Pay attention to the following:

• Deductibles: Your policy may have a separate deductible for wind and hail damage, which can be higher than your standard deductible.
• Coverage Limits: Ensure your policy provides adequate coverage for the cost of repairing or replacing your roof.
• Exclusions: Some policies may exclude certain types of damage or have specific requirements for coverage, such as maintaining your roof in good condition.

Working with Punum Roofing of Houston, Inc.

At Punum Roofing of Houston, Inc., we understand the stress and confusion that can accompany roof damage and insurance claims. Our team of experts will guide you through the process, ensuring a smooth and hassle-free experience.

1. Inspection: We'll conduct a thorough inspection of your roof, documenting the extent of the damage and providing a detailed report to support your insurance claim.
2. Claims Assistance: Our experienced staff will work closely with your insurance company, advocating on your behalf and ensuring you receive the coverage you're entitled to.
3. Repair or Replacement: Once your claim is approved, we'll handle the entire process, from sourcing high-quality materials to completing the work with our skilled team of roofing professionals.

At Punum Roofing of Houston, Inc., we prioritize education, attention to detail, and a customer-centric approach. Our commitment to excellence has earned us industry recognitions like the GAF President's Club Award and the Google Guaranteed Badge.

Don't let roof damage and insurance claims overwhelm you. Contact Punum Roofing of Houston, Inc. today, and let our family tradition of expertise guide you through the process, ensuring your roof is restored to its optimal condition.