Understand the claim. Stay in control.

You can contact your insurer as soon as you believe a loss may be covered; check your policy for notice requirements and deadlines. A roof inspection may help document visible conditions, but it is not a prerequisite to notifying the insurer or a coverage decision. Zilker Roofing can inspect the roof and provide its observations; you decide whether and when to file a claim.

After you report a claim, your insurer should explain the next steps. It may investigate, request information, inspect the damage, and provide a written decision or estimate; the timing and documents vary by claim and policy. A Summary of Damages or Scope of Loss may describe the insurer’s estimate, but it is not a guarantee that every item is covered or paid. Ask your insurer about your claim’s status and requirements.

An insurer’s estimate and a roofing contractor’s estimate serve different purposes, and whether you want additional estimates is your choice. We can compare the roofing work listed in an insurer’s estimate with our inspection findings and written estimate, explain differences or items that may need review, and provide that information to you. You decide what to share with your insurer; the insurer decides coverage and payment.

Some replacement-cost policies with recoverable depreciation initially withhold part of the estimated amount. If your policy does, the insurer may require completed repairs and specific proof or documents before considering release of the withheld amount; deadlines and requirements depend on the policy and claim. Review your estimate and policy, and ask your insurer what it requires. Zilker Roofing can provide a final invoice for our work, but we cannot guarantee that depreciation will be recoverable or paid.

TDI says a homeowners insurer cannot charge more for a claim involving damage from natural causes, including weather. That protection is about a surcharge for that claim; overall premiums and policy-renewal decisions can still change for other reasons. Ask your insurer how the rule applies to your policy and see TDI’s current guidance.

If you disagree with the insurer’s estimate, we can compare its listed roofing work with our inspection findings and provide photos, measurements, and a written estimate to you. You decide what to send to your insurer; the insurer decides coverage and payment. We do not submit claims or negotiate settlements on your behalf.