We've done this hundreds of times.
You don't have to figure it out alone.
Most homeowners deal with a storm claim once or twice in a lifetime. We document storm damage every week. Square Construction inspects, documents the scope, attends the adjuster meeting, and handles the restoration — so nothing on the property gets missed.
Free Inspection
We inspect your roof, gutters, siding, windows, HVAC, and fence — documenting every hail strike and wind impact before you start the claim process.
Contingency Agreement
You sign a contingency agreement. No cost if the claim is denied. No obligation if you find a contractor you prefer.
Claim Filing
We make sure your documentation — damage description, storm date, photos — is ready before you contact your carrier to file.
Adjuster Meeting
We attend the adjuster meeting on-site. We walk the property together so every affected trade is included in the initial scope.
Scope Review & Supplement
We review the carrier's scope line by line and supplement for anything missed — code upgrades, gutters, HVAC, overhead and profit.
Restoration
Our crews complete all covered trades under one contract and timeline. No subcontractor handoff, no coordination gaps.
Final Documentation
After work is complete, we provide the completion documentation the carrier needs so you can collect the second check — recoverable depreciation — that many homeowners leave uncollected.
Common claim mistakes
How Square handles it
Frequently Asked Questions
How it works
How does the roofing insurance claim process work in Texas?
In Texas, the process starts with a free inspection by your contractor before you file a claim. The contractor documents all storm damage across every affected trade. After filing, the carrier sends an adjuster — your contractor should attend that meeting to ensure nothing is missed. Once the carrier issues a scope and estimate, your contractor reviews it and supplements for any items that were left out. Work begins after approval, and the homeowner typically only pays the deductible.
What does it mean when a roofing contractor attends the adjuster meeting?
When your roofing contractor attends the adjuster meeting, they walk the property with the insurance adjuster and present the damage they've documented. They point out items the adjuster might miss — gutters, HVAC, fencing, siding — and can provide their own measurements if there's a discrepancy in scope. Homeowners who meet the adjuster alone almost always receive a less complete scope than those who have a contractor present.
What is a roofing supplement?
A supplement is a request to add items to an already-approved insurance claim. After the adjuster issues their scope, a contractor reviews it and identifies anything that was missed or undervalued — code upgrades, additional damaged materials, overhead and profit. Supplementing is normal and expected; the initial adjuster estimate rarely captures everything. Square Construction supplements every project where the initial scope is incomplete.
How long does a roofing insurance claim take in Texas?
From filing to payment typically takes 2–6 weeks, depending on the carrier and storm volume. Texas law requires carriers to acknowledge claims within 15 days and issue a coverage decision within 15 business days of receiving complete documentation. After approval, work is typically scheduled within 2–4 weeks. Square Construction stays in contact with the adjuster to keep the project moving.
What is recoverable depreciation on a roof claim?
If your policy pays on a replacement cost value (RCV) basis, the carrier typically issues two checks. The first is ACV (actual cash value) — the depreciated value of the old roof. The second check, called recoverable depreciation, is released after the work is complete and documented. Many homeowners don't know to ask for it and leave this money uncollected. Square Construction documents the completed work so homeowners have what they need to collect the second check.
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Insurance claim guides
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