The Texas Insurance Claim Process Made Simple

Dave Tomlin • June 20, 2025

When storms hit Texas, your roof is often the first line of defense—and the first thing to take damage. Whether it’s wind, hail, or heavy rain, roof damage can be overwhelming, especially when it comes to dealing with insurance claims. That’s why we’re here to break the process down for you. At BC Roofing & Restoration, we make it simple, fast, and stress-free.


Step 1: Inspect the Damage Safely


Before you climb on your roof—don’t! Your safety comes first. Look for signs of damage from the ground:


  • Missing or lifted shingles
  • Granules in gutters
  • Water stains on your ceiling
  • Dented flashing or gutters


Then, call a licensed roofing contractor like BC Roofing & Restoration. We’ll perform a free roof inspection and document all damage with drone photos and detailed notes.


Step 2: File Your Insurance Claim


Once we’ve confirmed damage:

  • Contact your home insurance company to file a claim.
  • Provide them with the inspection report, photos, and documentation we supply.
  • Schedule an adjuster visit (we can meet them on-site to ensure nothing is missed).


Many homeowners don’t realize they have a limited window to file a claim—often within 1 year of the storm event. The sooner you act, the better your chances of coverage.


Step 3: Meet the Adjuster


The insurance company will send an adjuster to your home. This is a crucial moment.

BC Roofing & Restoration offers claim support services—we’ll meet with the adjuster to explain what we found. Our goal is to ensure nothing is overlooked, and your estimate reflects the full scope of damage.


Step 4: Receive Your Insurance Estimate


After inspection, you’ll receive a statement of loss detailing:

  • Scope of damage
  • Approved repairs
  • Estimated replacement cost value (RCV)
  • Your deductible amount


Important: The first check (ACV) may seem low. Don’t worry—it’s normal. The remaining funds (recoverable depreciation) are released after repairs are complete.


Step 5: Schedule Your Roof Repair or Replacement


With your claim approved, we’ll finalize material selection (shingle color, upgrades, etc.), pull permits, and get to work. Our crews are fast, clean, and professional.

We handle:

  • Tear-off and installation
  • Vent and flashing replacement
  • Clean-up and haul-off

And best of all? We work directly with your insurance provider to keep things moving smoothly—no guesswork or stress for you.


Step 6: Final Inspection & Insurance Reconciliation


Once work is complete:

  • We’ll provide your insurer with completion photos
  • You’ll receive your final check (recoverable depreciation)
  • You enjoy a fully restored roof and a warranty from BC Roofing & Restoration


We can also upgrade materials (metal roofing, impact-rated shingles, etc.) at your request—often with minimal out-of-pocket cost.


Why Choose BC Roofing & Restoration?


  • ✔ Local & Licensed
  • ✔ Insurance Claim Experts
  • ✔ Free Drone Inspections
  • ✔ Honest, Transparent Communication


We’ve helped hundreds of Texas homeowners get the coverage and repairs they deserve—without the runaround.


Ready to File Your Roofing Claim?


Let us guide you through the process with confidence.


📍 Visit us: 440 E Roundbunch Rd, Bridge City, TX 77611

📞 Call: 409-313-6569

📱 Cell (Ask for Dave!): 817-602-9487

🌐 Online: www.bcroofingandrestoration.net


A house with a stormy sky in the background.

What to Do After a Storm Hits Your Roof

By Dave Tomlin • June 20, 2025
Texas storms don’t mess around. One minute you’re enjoying the sun, the next minute your shingles are being torn off, gutters ripped away, and water’s finding its way inside. If you’ve just been hit by hail, wind, tornado, or a hurricane, it’s crucial to act fast — not just for your safety, but to protect your home and ensure your insurance covers the damage. Here’s what to do immediately after a storm damages your roof: 1. Stay Safe First – Don’t climb onto your roof. Downed power lines, slippery surfaces, or structural damage can be hidden dangers. 2. Document Everything – Use your phone to take clear photos and video of roof damage, debris, or leaks inside. This will help when filing insurance claims. 3. Call a Local Roofer – Contact a reputable local roofing company (like us!) to do a free, no-obligation inspection. Our drone tech helps us safely assess damage. 4. Secure Temporary Protection – If necessary, we’ll install tarps or temporary patches to prevent further damage while you wait on insurance. 5. Start the Insurance Process – We’ll help walk you through your claim, provide documentation, and even meet with your adjuster to make sure nothing is missed. 6. Avoid Storm Chasers – Out-of-state contractors show up with flashy flyers, but they often disappear without honoring warranties. Go local. Go with someone you can trust. 7. Schedule Repairs Quickly – Don’t delay. The longer you wait, the greater your risk of leaks, mold, or denied insurance claims. Storms happen. But with the right team on your side, recovery doesn’t have to be a nightmare. Ready to protect your home with trusted roofing solutions? 📍 Visit us: 440 E Roundbunch Rd, Bridge City, TX 77611 📞 Call: 409-313-6569 📱 Cell (Ask for Dave!): 817-602-9487 🌐 Online: www.bcroofingandrestoration.net