Dealing with storm damage to your roof in New Braunfels can be overwhelming. Between hail, high winds, and Texas-sized thunderstorms, homeowners in 78130 and surrounding areas often find themselves needing to file a roof insurance claim. At Superb Roofing Solar & Restoration, we’ve helped hundreds of New Braunfels families navigate the process—and we’re here to make it simple for you too.
If you’re wondering what to do after a storm or if you’re already in the middle of a claim, here’s a step-by-step breakdown of the roofing insurance claims process in New Braunfels, TX.
1. Inspect and Document the Damage
After a storm hits:
- Stay safe and check for visible damage—missing shingles, granules in gutters, roof debris, or water leaks inside.
- Take photos of all visible damage, both inside and out. This helps build a case with your insurance company.
2. Call Superb Roofing Solar & Restoration for a Free Inspection
Before you file a claim:
- Schedule a no-cost roof inspection with Superb Roofing Solar & Restoration, a trusted New Braunfels roofing company.
- Our team will thoroughly inspect your roof using drones, boots on the roof, and insurance-grade software like Xactimate.
- We’ll give you an honest assessment—only recommending a claim if the damage meets insurance standards.
3. File a Claim With Your Insurance Company
If we confirm storm-related damage:
- Contact your insurance company to start the claim.
- Provide them with the photos and inspection report we prepare for you.
- Your insurer will issue you a claim number and schedule an adjuster visit.
4. Meet With the Insurance Adjuster
- Superb Roofing Solar & Restoration will meet the adjuster on-site, so you don’t have to go it alone.
- We’ll advocate on your behalf to ensure all storm damage is documented correctly.
- After their inspection, the adjuster will approve, partially approve, or deny your claim.
5. Review the Estimate
- If approved, the insurance company sends you a scope of loss—a detailed estimate of repairs.
- We’ll review it with you and identify any missing items, like drip edge, flashing, or ventilation upgrades required by New Braunfels building codes.
- Any missing items are submitted as supplemental claims, which we handle for you.
- If we understand you have been wrongfully denied, our team at superb will fight insurance on your behalf
6. Start the Roof Replacement
- You’ll receive your first insurance check, called the Actual Cash Value (ACV). This is the initial amount the insurance company pays to start repairs.
- At this stage, you’ll also pay your deductible, as required by Texas law (HB2102).
- Once received, we schedule your project and begin work—using premium materials and certified crews.
- Our work is fast, clean, and code-compliant—something our New Braunfels customers have come to expect from Superb Roofing Solar & Restoration.
7. Submit Final Paperwork And Receive Depreciation Check
After the job is completed:
- We send all final documentation to your insurance company.
- Your insurance releases the recoverable depreciation check — this is the second payment, covering the withheld portion of your claim.
- Again, you only pay your deductible per Texas law (HB2102).
8. Receive Final Supplement Check for Unforeseen or Additional Items
Sometimes, during or after the roof replacement, additional damage or code-required upgrades are discovered:
- These additional items are submitted to your insurance company as supplements.
- Once approved, your insurance company issues a final supplement check to cover these unforeseen repairs or upgrades.
- Superb Roofing Solar & Restoration handles this entire supplement process for you, so you don’t have to deal with any added stress.
9. Receive Your Warranty & Final Invoice
Once your roof is complete:
- We’ll provide a full workmanship warranty, along with any manufacturer material warranties.
- You’ll also receive a final paid invoice for your records—important if you sell your home or need documentation later.
Why New Braunfels Homeowners Choose Superb Roofing Solar & Restoration
- Locally owned & operated in New Braunfels, TX
- 5-star Google ratings from hundreds of satisfied customers
- Insurance claim specialists—we handle everything from inspections to supplements
- Compliant with all Texas roofing laws, including deductible requirements
- Fully licensed, insured, and bonded
Common Insurance Questions We Get in New Braunfels
- Can I get a free roof with no deductible?
No. That’s illegal in Texas. We follow HB2102 and ensure you’re protected from future legal and coverage issues. - Will my rates go up if I file a claim?
Not necessarily. Most storm claims are classified as “Act of God” and don’t directly affect your premium individually. - What if my insurance denies the claim?
We can request a reinspection and provide additional evidence, including densimeter, drone footage, and code documentation.
Schedule Your Free Roof Inspection Today
If your New Braunfels home was recently hit by hail or high winds, don’t wait. Damage left unattended can lead to leaks, mold, and even voided warranties.
