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Roofing Insurance Claims in Tyler

Family-Owned Claim Support for Residential & Commercial Property Owners in Smith County

Hargrove Roofing - Tyler is a family-owned roofing company serving residential and commercial property owners in Tyler, Bullard, Flint, and Whitehouse. When a storm damages your roof, navigating an insurance claim on top of the repairs can feel overwhelming. We’re available 24/7 to help you through both.

Storm damage to your roof shouldn’t mean a storm of paperwork on your own. Call us at (903) 412-2710 and let our team help with the insurance side while you focus on getting back to normal.

What Texas Law Says Before You Sign Anything

Texas homeowners have specific legal protections when filing a roofing insurance claim. Knowing these upfront can save you from costly mistakes.

Deductible waivers are illegal. Texas law prohibits any contractor from offering to waive your insurance deductible or provide a rebate in place of it. Any roofer making that offer is breaking state law.
Your insurer may request proof of payment. Insurance companies can ask for a receipt or canceled check showing your deductible was paid before releasing the full claim amount.
Never sign a contract with blank spaces. Review every line before you sign. Blanks left in a roofing contract create room for terms you never agreed to.

RCV, Depreciation, & Supplements: What Your Payout Actually Means

Insurance claim language can be confusing. Two terms come up on nearly every roofing claim, and understanding them helps you know what money to expect and when.

Replacement Cost Value and Recoverable Depreciation
Replacement Cost Value, or RCV, is the full cost to repair or replace your roof at today’s prices. On an RCV policy, insurers typically don’t pay that full amount upfront. They hold back a portion called recoverable depreciation, which accounts for your roof’s age and wear. Once the work is complete, you submit documentation, and the insurer releases that withheld amount.

Insurance Supplements
A supplement is an additional claim request submitted to your insurer when the original adjuster estimate didn’t capture everything. Hidden damage discovered during the repair, or material and labor costs that rose after the initial estimate, are common reasons a supplement gets filed. It’s a normal part of the process, not a red flag.

A Dedicated Insurance Manager on Every Claim

Rich Ricord, MBA, serves as our Insurance & Supplementing Manager, overseeing insurance and supplementing work across all of our locations. When you file a claim with Hargrove Roofing - Tyler, Rich and our team provide accurate estimates and communicate with your insurer, so you’re not left translating adjuster reports on your own.

That single point of contact can mean fewer gaps between what your insurer approves and what the repair actually requires.

cHECK OUT THE FULL CREW

Jordan Cagle President
Devin Angel Sales Manager

How to Handle the Adjuster’s Inspection

The insurance adjuster’s visit is one of the most important moments in your claim. A few habits make a real difference in how that inspection goes.

Be present during the inspection. Walk the adjuster through every area of damage you’ve noticed. You can’t point out what they miss if you’re not there.
Track every contact at the insurance company. Write down names, dates, and what was discussed. That record keeps your claim organized and protects you if questions come up later.
Be ready to answer questions about the damage. Know when the storm occurred, what you observed immediately after, and any temporary repairs you’ve made.
Compare contractor bids against the adjuster’s estimate. Getting more than one bid before settling your claim can help you spot gaps between what the adjuster approved and what repairs may actually cost.

Why Tyler & Smith County Roofs Take a Beating

Smith County sits in a corridor where severe thunderstorms regularly produce damaging hail. One storm left more than 11,000 customers without power across the county. During another event, radar estimated hailstones up to about two inches in diameter near Rhones Quarter Road and Shiloh Road in Tyler. Damage at that size can crack shingles, dent metal flashing, and compromise a roof’s waterproofing even when the surface looks intact from the ground.

If your roof hasn’t been inspected since the last significant storm, there may be damage your insurer needs to know about before the claim window closes.

Get a Free Estimate with No Pressure

Hargrove Roofing - Tyler offers free estimates, and we stand behind our work with a satisfaction guarantee. Financing options are also available for qualifying projects. Call us at (903) 412-2710 to schedule your inspection and let us help with the insurance process from estimate to final payment.

What to Document Right After a Storm

The steps you take in the first hours after a storm can strengthen your insurance claim significantly. Here’s what to do before the adjuster arrives.

Take photos and video immediately. Capture roof damage, interior leaks, and any damaged items from multiple angles. Timestamps on your photos establish when the damage occurred.
Don’t discard damaged materials. Hold onto broken shingles, gutters, or other debris until the insurance adjuster has inspected them. Physical evidence supports your claim.
Make temporary repairs to prevent further damage. Covering holes or broken windows stops additional water intrusion. These costs are often reimbursable under your policy.
Keep every receipt. Any materials you buy for temporary repairs should be documented with a receipt. That paper trail can make reimbursement more straightforward.

Go With Hargrove

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