Texas Roofing Insurance Claims Guide

ACV (Actual Cash Value) is the depreciated value of your roof at the time of damage. RCV (Replacement Cost Value) is the full cost to replace it with equivalent new materials. Most Texas homeowners policies are RCV policies, meaning you receive the full replacement cost. However, some policies only pay ACV, which means you receive less. Check your policy declarations page or call your agent to confirm.

With an RCV policy, your insurance initially pays the ACV amount (replacement cost minus depreciation). The remaining depreciation is held back until repairs are completed. Once you submit proof of completed work, the insurance company releases the holdback amount. This is normal and expected.

Texas law requires you to file within one year of the date of loss for weather damage. However, filing sooner is strongly recommended. The longer you wait, the harder it becomes to prove that damage was storm-related rather than from wear and tear.

Weather damage claims generally do not raise your rates because they are considered catastrophic events beyond your control. However, multiple claims in a short period may affect your insurability. Consult your agent for specifics about your policy.

A supplement is an additional request to your insurance company for items or costs that were missed or undervalued in the original adjuster estimate. Supplements are extremely common in storm damage claims. Glacier files supplements on the majority of claims we handle, often recovering thousands of additional dollars for our customers.

You always have the right to choose your own contractor. Your insurance company may suggest preferred vendors, but you are under no obligation to use them. We recommend choosing a local, licensed contractor who specializes in insurance restoration work.

A denial is not necessarily the end. We review the denial reason, gather additional documentation, and can request a re-inspection. If the damage is legitimate and covered under your policy, we pursue every available avenue to get your claim approved.

No. On insurance projects, we never collect a deposit or upfront payment. We begin work after your claim is approved and collect payment after the project is complete. You pay only your deductible plus any optional upgrades.

You always have the right to choose your own contractor. Insurance-preferred contractors are selected and paid by the carrier, which means their incentives may align more with keeping costs low for the insurance company than with ensuring you receive the full scope of repairs your home needs. An independent contractor like Glacier works for you, not the carrier, and will advocate for the complete repair your property requires.

If your policy only covers Actual Cash Value and the payout does not cover the full cost of repairs, we help you understand all of your options. This may include an out-of-pocket estimate for the difference, flexible financing through our partner Enhancify with payments as low as $99 per month — an example at 6.9% APR for 144 months, one of several terms available on approved credit, with your rate and term set by the lender rather than by us — or guidance on whether an appeal to your carrier is worth pursuing. We walk you through every option so you can make the best decision for your home and budget.