⚡ Storm Damage & Insurance Claims
From the first inspection to the adjuster meeting to final installation — we document the damage and walk you through each step of the insurance process.
Our Process
Insurance claims can be confusing. Here’s how we document your roof and what to expect at each step. Your policy and your carrier determine coverage.
We assess all visible and hidden damage — including soft metal, flashing, and gutters — and document everything with photos.
Actual storm damage documented during a Right Time Roofing inspection — this is what adjusters need to see.
We prepare a detailed estimate ready for your insurance carrier, formatted the way adjusters expect to see it.
With your permission, we meet your adjuster on-site to point out the damage we documented.
Your insurance company reviews the claim. If work is approved, we schedule it. If their scope misses items we documented, we can submit a supplement for our scope of work.
Installed to code, with our written 5- or 10-year workmanship warranty (depending on the shingle system) and eligibility for TAMKO’s product warranty.
Why It Matters
Small details are easy to miss after a storm. Our documentation covers:
In TWIA’s coverage area, windstorm-related roof work usually needs a WPI-8 certificate from the Texas Department of Insurance. We install to windstorm code and coordinate the inspection so qualifying work can be documented for your property.
Why It Matters on the Gulf Coast
If you live in Brazoria or Galveston County, your windstorm coverage may depend on roof work being inspected and certified under TDI’s windstorm program.
If your home is insured through TWIA, check whether your project needs a WPI-8. We’ll tell you before work starts whether we expect your project to qualify and how the inspection works.
Ask About Your Project →Common Questions
What will I owe?
You are responsible for your deductible and anything your policy doesn’t cover. Texas law doesn’t allow contractors to waive or rebate deductibles. Once your carrier issues its decision, we’ll go over your costs before work begins.
What if my adjuster already gave me a low offer?
We can compare the adjuster’s scope with what we documented. If items in our scope were missed, we can submit a supplement. Questions about your settlement or policy go to your carrier or a licensed public adjuster.
How long does the claims process take?
Timelines depend on your carrier and how busy the season is. Emergency tarping is available same day for active leaks.
Do you work with all insurance companies?
We work with homeowners insured by most major carriers, including TWIA.
What if my claim is denied?
We can share our documentation with you. For appeals or disputes, we’ll point you to your carrier’s process or a licensed public adjuster or attorney.
