Should I get a roof inspection before or after filing an insurance claim?

We recommend having us inspect your roof before you file. We'll photograph the damage and give you a clear assessment so you know what you're dealing with before your insurer gets involved.

What is a scope of loss or summary of damages?

It's the insurance company's line-by-line estimate of every roof component they've approved for repair or replacement. It determines the baseline of what your insurer will pay.

What if my insurance estimate seems too low?

We give you our own independent inspection and a detailed, line-item estimate of everything we documented on your roof, including code-required components and any hidden damage we find. That gives you a complete, independent record to compare against your carrier's estimate. You and your adjuster decide what to do with any difference.

Does Zilker Roofing negotiate with insurance companies?

No. We are not public adjusters and do not file claims, negotiate coverage, or speak to your insurer on your behalf. We provide documentation and support — you make the decisions.

The Roof Insurance Claim Process — Step-by-Step for Austin Homeowners

Understanding the Process — and Where Zilker Roofing Fits In

If your roof was damaged in a hail or wind storm, the claim process can feel overwhelming. While we don’t file claims or speak to insurers on your behalf, we support you every step of the way after you file.

We inspect your roof before or after your claim is filed
We review the insurance scope (Summary of Damages) once issued
We create our own estimate (scope of work) for you to compare
We document missing items and assist with supplemental requests
We provide the final invoice for recoverable depreciation

Step-by-Step Claim Timeline

We’ve outlined a typical insurance process below — your carrier may vary, but most follow this basic order:

Initial Inspection

What You Do: Call us to inspect your roof What We Do: We assess damage, take photos, and advise if a claim may make sense

Step 1

File Your Claim

What You Do: Contact your insurer to start a claim

Step 2

Adjuster Visit

What You Do: Meet the insurance adjuster or allow access What We Do: We can be present if requested

Step 3

Scope Issued

What You Do: Receive a Summary of Damages from your insurer What We Do: We review the document and prepare a proposal based on their approved work

Step 4

Work Approval

What You Do: Approve our proposal What We Do: We schedule and complete the work using our standardized system

Step 5

Final Steps

What You Do Pay deductible and submit paperwork to insurer What We Do We send final invoice and photos so your insurer can release depreciation

Step 6

What’s Included in the Insurance Scope?

Your insurer’s Summary of Damages typically includes:
Zilker Roofing prepares a parallel estimate for your review — and documents any gaps or missing items.

What Is Recoverable Depreciation?

Most Texas policies are RCV (Replacement Cost Value). That means the carrier:
We help make sure this second payment process is smooth and clearly documented.

Pays ACV (actual cash value) upfront

Holds back recoverable depreciation until work is completed

Issues second check after you submit final invoice and photos

Helpful Texas Claim Notes

A single hail claim won’t raise your premiums — Texas law bars rate increases for claims caused by weather (TDI Bill of Rights)

You are not required to get multiple quotes if working with a licensed contractor

Most claims are priced using Xactimate — a standardized estimating platform

We use that format when preparing our proposal, for easier comparison

Our Clients Love Us

      EXCELLENT  
   Based on 166 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   Robert Marks 
 
 
 
 Trustindex verifies that the original source of the review is Google. Their quality of service is through the roof!   Tyler and his team are very professional and communicate extremely well.  I will recommend them to my friends.
  
 
      Posted on Google  
   
   Bill Clark 
 
 
 
 Trustindex verifies that the original source of the review is Google. Kelly was very helpful walking me through the claims process with my insurance company.  The Zilker team was prompt and professional installing the new roof. They began early in the morning and completed the project by the end of the day.  Finished product looks great, and I just learned from my insurance company that I will receive a significant homeowner's discount with my new  "Impact  Resistant" roof.
  
 
      Posted on Google  
   
   Steve Ogden 
 
 
 
 Trustindex verifies that the original source of the review is Google. They got the job done promptly at a reasonable price
  
 
      Posted on Google  
   
   Randal Ford 
 
 
 
 Trustindex verifies that the original source of the review is Google. We had a great experience with Zilker Roofing. Tyler and his entire team were professional, communicative, and easy to work with from start to finish. They clearly explained how everything would work financially, handled the insurance process seamlessly, and kept us informed throughout the project.

It was also great working with a locally owned company that genuinely cares about its customers and stands behind its work. That level of service really showed.

I highly recommend Zilker Roofing. If I ever need another roof, they will absolutely be my first call.
  
 
      Posted on Google  
   
   Brandon Anderson 
 
 
 
 Trustindex verifies that the original source of the review is Google. Had an excellent experience with Zilker Roofing from start to finish. They came out promptly for a roof inspection, clearly explained what needed to be done, and completed all the necessary repairs efficiently and professionally.

What impressed me most was their combination of quality work, competitive pricing, and genuinely easy communication. There was no pressure, no surprises, and they delivered exactly what they promised in the timeframe they quoted.

If you need roofing work, I’d definitely recommend reaching out to Zilker Roofing. Great team all around.
  
 
      Posted on Google  
   
   Marlone Henderson 
 
 
 
 Trustindex verifies that the original source of the review is Google. Very quick response after a storm!
  
 
      Posted on Google  
   
   Linda Marshek 
 
 
 
 Trustindex verifies that the original source of the review is Google. My experience with Zilker Roofing was beyond expectation! Working with Kelly Henry was wonderful.  He was thorough at every step.  The crew he picked for my job did a beautiful job,  Kelly told me that I had a difficult but beautiful roof and he and his crew rose to the challenge.  Kelly guided me through the paperwork with the insurance company throughout the entire job.   He became a good friend throughout the job.  I highly recommend him for his expertise and his dedication to the job.  I am so glad I chose Zilker Roofing and Kelly Henry.
  
 
      Posted on Google  
   
   Marcus Motill 
 
 
 
 Trustindex verifies that the original source of the review is Google. Will and the team helped navigate the insurance process and knocked out the roof in no time!
  
 
      Posted on Google  
   
   Dan Hucker 
 
 
 
 Trustindex verifies that the original source of the review is Google. The team at Zilker is top-notch. Tyler, Danny and team will take care of you and your home from A-Z. If you have any questions about your roof give them a call.
  
 
      Posted on Google  
   
   Suzanne Ellison 
 
 
 
 Trustindex verifies that the original source of the review is Google. I had a great experience with Zilker Roofing. They made what could have been a stressful process incredibly easy by taking care of every detail and making the entire project seamless. The crew did an outstanding job, treated my property with care, and left everything clean when they were finished. The quality of the workmanship was terrific, and the roof looks fantastic. I highly recommend them to anyone looking for a professional, trustworthy roofing company.