In Texas, a roof insurance claim runs in five stages: (1) get an independent roof inspection, (2) file the claim with your carrier within one year of the storm date, (3) meet the adjuster on-site with your own documentation, (4) compare the carrier’s estimate against an independent line-by-line estimate, and (5) receive payment in two parts — Actual Cash Value (ACV) up front, then the recoverable depreciation after the work is completed and invoiced. You stay the policyholder in control the whole time; we document the damage and hand you an estimate you own.
We are not a public adjuster — we do not file or negotiate your claim, and we never speak to your insurer without you. We document the damage and give you an independent estimate you own; you stay in control as the policyholder. We never use Assignment of Benefits (AOB) and never ask you to sign over your insurance rights. We also recommend repair when a repair is right, and replacement only when the damage truly warrants it — driven by your roof’s condition, not by what’s most profitable for us.
Before. We inspect and photograph the damage first, then tell you honestly whether it warrants a claim — because filing one that won’t clear your deductible isn’t in your interest, and we’ll say so. If it does warrant filing, you go in with documentation in hand.
It’s the carrier’s line-by-line list of every roof item they approved and the dollar amount they’ll pay — usually written in Xactimate. We compare it against our own independent estimate so you can see any gaps, and we submit a supplement for necessary items the original scope missed.
Yes. Under Texas Insurance Code §707.002 (the 2019 anti-fraud law, HB 2102), you must pay your deductible toward a covered claim, and no roofing contractor in Texas may legally waive, rebate, or absorb it — if one offers to, they are breaking the law.
Many policies pay the ACV up front and hold back the depreciation, releasing it in a second check after the work is done and documented. Under Texas Insurance Code §707.004, the insurer may withhold that recoverable depreciation until it receives reasonable proof your deductible was paid. We provide the final invoices and photos you need to release it. (Some policies are ACV-only, with no recoverable depreciation.)
Call or text (512) 893-7663 — or request a free quote. We’ll document your storm damage honestly and tell you whether it warrants a claim.
Most homeowners insurance policies in Texas cover roof damage caused by hail, wind, and other sudden weather events. These policies do not cover general wear and tear, but they often do include:
We’re not public adjusters — and we don’t file claims for you. What we do offer is honest support and clear next steps once your insurance company gets involved.
We’re not public adjusters — and we don’t file claims for you. What we do offer is honest support and clear next steps once your insurance company gets involved.
You have the right to choose your own roofing contractor.
Your insurer cannot raise your premium for a single weather-related claim.
Ordinance & Law coverage may entitle you to code upgrades like ridge vents, drip edge, or underlayment.
Zilker Roofing is known across Central Texas for our honest, pressure-free approach. We inspect carefully, document thoroughly, and explain your options clearly.
Zilker Roofing is known across Central Texas for our honest, pressure-free approach. We inspect carefully, document thoroughly, and explain your options clearly.
