When should I file a claim?

We only recommend filing a claim if there is legitimate damage to the property and an active hail date that we could use to file a claim with the insurance provider. This way we can sync hailstorm events with the insurance’s records.

However, before all this takes place we recommend you have a licensed professional out to inspect the property. They will build a proper inspection report to submit to insurance, which will greatly increase your chances that insurance will cover your roof repair or replacement.

Do my insurance rates increase for filing a claim?

Your insurance premiums do not increase for filing a claim. However, your insurance premiums do increase as your roof gets older. Insurance companies consider you a “high-risk client” since you are more susceptible to leaks and shingles being blown off.

In most instances, when we put on a new roof on a home, the home owner receives a discount on their insurance premiums.

What about my deductible?

The good thing about having insurance to pay for your roof is that your only out-of-pocket expense is your deductible.

In some instances, contractors will offer to cover your deductible for you. While that might sounds like a great option, it is not a good idea and illegal.

Insurance pays a set amount, which means that extra cost must come from somewhere. Most of the time, it results in contractors cutting corners and using poor quality products.  

As of November 1, 2019, according to Texas State Law (HB2102), it is illegal for contractors to cover deductibles for homeowners.

How long do I have to file a claim?

Typically, homeowners have six months to one full year to file a claim after a hailstorm.

However, we don’t recommend waiting to file a claim. You run the risk of fresh damage quickly looking like old damage in the Texas heat.

Unfortunately, insurance doesn’t cover what they deem to be old storm related damage.

How much damage is enough?

Homeowners insurance requires 6-8 visible hail strikes In a 10 x 10 sq ft area on two different sides of the home to total the roof out completely.

Our experienced inspectors perform the same inspections an insurance adjuster would. If we believe the claim is winnable, we will begin the claim management process with your insurance company.

If we don’t believe insurance will cover the roof, we will postpone the claim and make a note to check back with you after the next big storm.

How long does it take to do a roof?

Roof installations vary depending on material type, pitch of roof, and size of home but for the most part we install a new roof in one day.

We’ve created a system that allows our roofers to move effectively and efficiently to complete jobs fast.

What to do after the claim is filed ?

Once you have filed a claim you want to make sure the license professional is there to keep the insurance adjuster accountable as the insurance company could miss line items “accidentally”.

We want to make sure that everything that was damage is accounted for so we can maximize the claim and don’t have to go back to the insurance company.

What about all the nails?

One of the big things the separates us from the competition is our cleanliness.

For all our installs, we use a black polyurethane tarp to cover the ground.

Other roofers use a blue tarp that’s reusable. The problem is that overtime it develops holes, which will allow debris through.  

Once our professional roofers are done installing your roof, they all sweep your yard with a big magnet. We make sure to thoroughly cover hotspot zones, such as driveways, walkways, backyards, and your lawn.

Do I file the claim or you?

Only a homeowner can file the claim for His or her property.

We can be of assistance to file the claim so long as you’re present.

If a contractor tells you that they can file a claim for you, we do not recommend working with that contractor as that is insurance fraud.  

Can we just do a repair?

We can definitely do a repair if needed. If an area to a roof is severely damaged and the rest is okay, we can repair the area of concern. When another storm comes through, we can take another look to see if it qualifies for insurance to replace it.

While we do repairs, we don’t recommend repairing a roof that needs to be fully replaced.

What are your warranties ?

All homeowners get a two year warranty on the roof and one year warranty on all other trades that aren’t roof related.

Do you have insurance ?

Lonestar roofing is a fully insured roofing contractor that holds a $2 million dollarsLiability policy.

Not only are we insured, but our contractors have to have insurance as well, so you’re double covered.

You will get a piece of mind that anyone who sets foot on your property is covered and insured.

How far do you work?

We cover all of Texas!

Still have questions?

Get in touch. We would be happy to answer any questions you might have.