Insurance Claim Loss

Expert guidance throughout the entire process


Insurance Resources &

Receive Guided Support From an Expert Contractor 

We help our clients relieve stress and save money by navigating the insurance process with them from beginning to end while also providing the resources needed to make educated decisions.

Contact us for insurance loss help

Remove the Insurance Loss Headaches

Eliminate confusion when working with insurance loss and contracting a new roof installation. Defender Roofing provides step-by-step assistance so our clients can be confident and swift in their roof restoration including:

  Guidance on the Insurance Process

  Professional Contractor Expertise

  Established Relationships with Insurance Adjusters

  Additional Resources & Knowledge 

Defender Roofing
We work with insurance adjusters that are well-versed in homeowner's insurance policies, hail damage, wind damage, and natural disasters, as well as the criteria each insurance company has for a roof to be replaced.

How Defender Supports You

  5 year and 10 year expressed workmanship warranties

  Manufacturer’s warranty on materials

  Trusted expertise local to South Texas

  Written work orders on material and labor specifications

  Certified contractors trained to meet manufacturer specifications

  Insurance billing, invoicing, and endorsements from start to finish

  Final payment postponed until end of installation

  Insured with general liability and worker’s compensation

Insurance Claim Process

At Defender Roofing, we specialize in helping our customers through the insurance process so that they can get the most out of their claim. Our step-by-step guide will show you how we can help you.

1. Roof Inspection

For storm-related damage, have your roof examined by a professional contractor.

2. File a Claim

Contact your insurance claims department if you have any damage and file a claim, requesting that an insurance adjuster come to your home.

3. Schedule Adjuster Meeting

Although Texas insurance laws state a contractor can't represent you in your insurance claim, we can still meet with your insurance adjuster to assess the damage and ensure all damaged goods are accounted for during inspection. Let us know when your meeting is.

4. Process Financial Claims

After fair market value is determined (includes cost of labor, materials, and transportation), we'll complete a property loss worksheet for the amount the insurance company allows and process all checks requiring your mortgage company's endorsements.

5. Review Damage Assessment

After your insurance adjuster has assessed the damage, you'll be given a list of the damaged items. Once you've received this paperwork, contact us to double-check that everything has been covered and that you're receiving market value pricing.

6. Contract Signing & Materials

After your claim's total value is determined, we schedule a meeting to sign your replacement contract and finish selecting your materials. All out-of-pocket expenses are specified so you have complete transparency of costs prior to signing.

7. Roof Installation

We guarantee that your roof system will be installed per the manufacturer's specifications and in a timely manner. With our insured team of professionals, you can rest assured that your home or business is in good hands.

8. Payment & Recoverable Depreciation

Once the installation is finished, your ACV and deductible are due. We'll send a final invoice to your insurance company so you can get your recoverable depreciation and any extra funds (if any) back from them. Once received, contact us to collect your final payment. Upon finalizing payment, your warranty processing will be sent.

Texas Roofing Services

Learn more about how recover from storm damage with our roofing services!

Storm Damage Effects

Having more insight into the effects of storm damage can aid in your conversations with insurance adjustors. 


The granular surface of a composition shingle's protective coating is what protects its underlying asphalt. When hail (3/4″ to 2″ in diameter) strikes a composition shingle, it destroys the protective layer as well as the asphalt coat and fiberglass mat in some cases. Metal accessories are dented, wood shingles and wood shakes are punctured, and skylights, A/C vents, siding, gutters, downspouts, windows, window beads, and screens are all susceptible to damage.


A seal tab is used to attach asphalt shingles. During strong winds, this tab might break. Shingles may be damaged, displaced seal tabs and gouges in the roof surface caused by flying debris. If any of these wind effects have occurred, you may be entitled to a full new roof replacement.


Frequently Asked Questions

Very helpful and knowledgeable with my full roof replacement. Best contractor I have ever done business with.
Garret S.

Get Your Free Roof Inspection 

We have your back. Protect your largest investment by getting all the facts. Contact us for all your roofing services!


Free Roof Inspection