Insurance Claims 101: Navigating Roof Damage After a Storm in San Antonio

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When storms hit San Antonio, they don’t just leave behind puddles and fallen branches—they can leave your roof battered and your home vulnerable. If you're dealing with roof damage and unsure where to start, you're not alone. Navigating the insurance claim process can be overwhelming, but with the right knowledge and support, it doesn’t have to be.

At Pure Renovation, we specialize in helping homeowners restore their properties while maximizing their insurance benefits. Here’s a simple breakdown of what to expect and how we can help.

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Step 1: Know Your Deductible

Most Texas homeowners have a 1% or 2% wind and hail deductible based on the value of their home. This amount must be paid out-of-pocket before your insurance releases the full payment. For example, if your home is insured for $300,000 and you have a 1% deductible, your responsibility is $3,000.

➡️ Tip: Texas law requires that homeowners pay their deductible—it’s illegal for contractors to "waive" or cover it.

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Step 2: File a Claim Promptly

If your roof has visible damage (missing shingles, leaks, granule loss), or if neighbors are getting work done after a storm, it’s worth scheduling an inspection. If the damage is legitimate, you’ll want to file a claim with your insurance company ASAP.

Once your claim is filed, the insurance company will schedule an adjuster inspection to assess the damage.

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Step 3: Understand the Statement of Loss (SOL)

• If the adjuster agrees your roof needs repair or replacement, you’ll receive a Statement of Loss (SOL). This document outlines:

• The scope of work approved

• The depreciation value

• The Actual Cash Value (ACV) payment

• Remaining funds (called Recoverable Depreciation)

• This is where having a contractor who understands the insurance process makes a huge difference.

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Step 4: Review with a Contractor You Trust

Bring in a licensed, experienced contractor (like us) to review the SOL. We’ll make sure the scope includes everything necessary to restore your home to pre-storm condition. If the insurance missed anything (they often do), we can supplement the claim by submitting documentation for adjustments.

➡️ Our goal is to get you everything you’re owed—not just a basic patch job.

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Step 5: Roof Gets Replaced

• Once everything is agreed upon, we move quickly into production:

• Materials are delivered

• Work begins (usually completed in one day)

• Cleanup and final walkthrough

• We’ll also help you handle final paperwork to release any remaining insurance funds.

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Step 6: You Pay the Deductible, Not a Penny More

At the end of the job, you’ll owe your deductible and any approved upgrades you selected. No surprise charges, no games. We make sure everything is crystal clear from day one.

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Why San Antonio Homeowners Choose Pure Renovation

✅ Local and trustworthy

✅ Insurance-savvy team

✅ No pressure—just honest guidance

✅ Full support from inspection to final payment

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Need a Free Roof Inspection?

If you think you may have storm damage, don’t wait. We offer free, no-obligation roof inspections and will walk you through your insurance policy and options.

Call us or schedule an inspection online

We’re here to help you protect your home and your peace of mind.