Cool mornings are the best time to inspect a roof.

Shingles are more durable in cold temperatures, reducing damage from foot traffic. Walking on a hot roof can scar & scuff shingles, creating wear that compromises their integrity and leads to premature aging. From there, we carefully examine gutters, downspouts, window screens, window glazing, garage doors, fencing, exterior paint, HVAC equipment, and other exposed surfaces that were struck by hail.

Our goal is to provide a complete property assessment and document every area so nothing is overlooked. By inspecting the entire property—not just the roof—we help homeowners understand the full scope of storm-related damage and make informed decisions about repairs and restoration.

Your Guide to Roof Replacement and the Insurance Claim Process

Pillar Roofing’s Concierge: we guide the homeowners through every step of the Roofing & Insurance Claim Process.

Whether you’ve been through the storm-claim process before or this is your first time, our goal is to make the process as smooth and stress-free as possible.

This section outlines what to expect, key documentation, and how we support you from initial assessment to final walkthrough.

1. Understanding Your Insurance Coverage

Before filing a claim, review your homeowners insurance policy. Most policies cover sudden damage from covered perils like hail, high winds, lightning, fire, or falling debris. They typically do not cover gradual wear and tear, poor maintenance, or cosmetic damage alone.

Key Terms to Know:

RCV (Replacement Cost Value): Pays for new roof materials and labor (minus deductible).

ACV (Actual Cash Value): Pays depreciated value; you may owe more out-of-pocket.

Deductible: Your out-of-pocket amount before insurance pays.

Exclusions: Check for age limits on roofs, cosmetic damage clauses, or ordinance/law coverage for code upgrades.

Tip: Locate your policy declarations page and keep records of prior roof work, maintenance, and pre-storm photos. These strengthen any future claim.

2. Documenting Roof Damage

Act quickly but safely. Documentation and photographs are the foundation of a successful claim.

Note: the date, time, and weather event (e.g., hailstorm). Avoid repairs and cleanup until you’ve documented everything; temporary tarping is usually okay and reimbursable.

Your Pillar Roofing Concierge will provide comprehensive reports with photos, measurements, and scope recommendations to support your claim.

3. Filing the Insurance Claim

Contact your insurance company (agent or claims line) promptly—ideally within days of the damage. Have your policy number, date of loss, and damage description ready. Get a claim number. Schedule the insurance adjuster’s inspection.

Tip: Have your Pillar Roofing Concierge attend the adjuster inspection. We help ensure nothing is missed on the inspection.

4. Working with the Adjuster and Handling Estimates

After the property inspection, the adjuster will generate your claim report and review it with you on the spot.

Common next steps:

Our Team will review the adjuster's report with you and help decipher the line items. The adjuster's report is key to the process; once reviewed, we schedule and implement a restoration plan within the homeowner's time frame.

The Adjuster Report:

The Team reviews the adjuster’s report alongside our inspection findings and proposed construction scope. We can provide measurements, photographs, estimates, invoices, and other supporting documentation for the insurance company’s review. Coverage decisions and claim negotiations remain between the homeowner and the insurance company or a licensed public adjuster.

Supplement Documentation:

Your Pillar Roofing Concierge can attend the adjuster’s inspection to identify visible construction damage and provide measurements, photographs, estimates, invoices, and other supporting documentation. Coverage decisions and claim negotiations remain between the property owner and the insurance company or a licensed public adjuster.

5. The Roofing Project: From Start to Finish

Once the claim is approved, you and your Pillar Roofing Concierge will execute the project repair plans:

Pull Permits: We pull all necessary building permits and handle inspections.
Stage Preparation: Protect your landscaping, driveway, and property. Set up debris containment.
Begin Tear-Off: Remove old roofing down to the deck (usually 1–2 layers).
Inspect and repair decking as needed.
Installation: New underlayment and ice/water shield in vulnerable areas.
Proper flashing, ventilation, and drip edge.
Premium materials matching your preference and warranty standards.
Follow manufacturer nailing patterns and local codes.
Cleanup: Magnetic sweeps for nails, full debris and final property cleanup.
Final Inspection: to approve the work; we provide all documentation.

Typical timeline: 1–3 days for most residential jobs, depending on weather and complexity.

6. Payments, Warranties, and Completion

You pay your deductible directly to Pillar Roofing. Your Insurance company will pay approved amounts during the process (often via checks to you and the mortgage company, if applicable).

Your Pillar Roofing Concierge will generate:

Final invoice for the insurance company at the projects completion.
Manufacturer product warranty and our workmanship warranty.
Before/after photos, permit sign-offs, and maintenance guide.
Any supplemental documentation for remaining payments.
Pillar Roofing’s transferable Lifetime Workmanship Warranty reflects our commitment to standing behind our work.

Frequently Asked Questions

How long does the claims process take?
Filing to adjuster visit: days to weeks. Full repairs: usually 2–6 weeks total, longer after major storms.

What if my claim is denied or underpaid?
We help gather evidence for supplements or appeals. In complex cases, a public adjuster may be an option.

Do I need to choose your company?
No—you have the right to choose your contractor. We encourage getting multiple bids but emphasize working with licensed, insured, local professionals who understand insurance processes.

Can I start repairs before the adjuster comes?
Document first and get approval if possible. Emergency tarping is usually fine.

Residential & Commercial Roofing Projects Across DFW

Ben E. Keith Headquarters — Fort Worth, TX

Love Field Airport, Signature Flight Support Headquarters.

GAF Sienna Limited Edition Shingle

Standing-Seam Metal Roofing — McKinney, TX

Residential TPO Retrofit

Cello-Wrap — Farmersville, TX

Wingate TPO Retrofit

TPO Retrofit with Major Deck Damage