You've paid your homeowners insurance premium every year you've owned this house. If your roof has storm or hail damage, this is exactly what that premium is for — and having a contractor on-site when the adjuster inspects means the full condition of your roof gets documented and put on the record.
of Texas homeowner insurance claims are reported to close without a payout, and industry-wide only around six in ten claims are paid in full.1 The adjuster works for your insurance company, not for you. Most homeowners don't have anyone in their corner who's trained to make sure nothing gets missed — that's the entire reason we make a point of being there in person.
1 Based on published industry claims reporting. Every policy and carrier is different — confirm your specific coverage details with your insurance company.
Not by arguing with your insurance company — by making sure the facts are fully on the record before your adjuster ever writes a number down.
Storm damage isn't always visible from the ground, or even from a quick walk of the roof. We photograph and log every impact mark, every soft spot, before the adjuster ever arrives.
Building codes, manufacturer specs, and material requirements are our daily work. When something on your roof doesn't meet current code, that goes into the record — an adjuster moving fast might not catch it.
When your adjuster inspects the roof, we're standing on it with them — not leaving you to interpret a report by yourself after the fact.
ACV, RCV, depreciation, supplements — we explain what each line of your claim actually means, in plain English, before you sign anything.
We've worked directly with homeowners' insurance carriers across the board. The process doesn't intimidate us, because we've done it hundreds of times.
This consultation costs nothing and doesn't commit you to anything. You decide what happens after you understand your options.
Every step explained up front — no surprises, no fine print you find out about later.
A free, detailed inspection with full photo documentation — the same one behind the estimate you just got.
Filing the claim is always your call as the policyholder — we walk you through exactly what to say and what to expect.
We're on the roof with your adjuster, pointing out documented damage and answering technical questions on the spot.
We go through the approved scope with you line by line, then get your new roof built right — under warranty.
Tell us the best day and time this week, and a Lone Star insurance specialist will call to walk through your specific situation.
We've pulled in your info from your roof estimate — just double-check it and pick a time below.
A Lone Star insurance specialist will call you at your preferred day and time to walk through your options. No cost, no obligation.
Or Call Us Now: (817) 778-9479No. This call is completely free with zero obligation. You're simply getting a Lone Star insurance specialist on the phone to walk through your options — you decide what happens next, on your timeline.
That depends on your carrier and policy — it's a question worth asking your agent directly, and it's exactly the kind of thing we'll help you think through on the call so you're deciding with real information, not guessing.
Because adjusters are working from your insurance company's interests, and most homeowners have no way to know if the scope they're offered is actually complete. When requested, Lone Star can meet the carrier's field adjuster at the property to document observed construction conditions and answer contractor-related questions — so the record reflects what's actually on your roof.
A denial isn't always the end of the story — sometimes it means the damage wasn't documented thoroughly enough the first time. We'll always give you an honest read on where things stand and what your realistic options are, whether that's revisiting the claim or looking at financing to move forward anyway.
Not at all. This is a consultation, not a contract. Our goal is to earn the job by being the most helpful, honest option you talk to — not to lock you into anything on a phone call.
Lone Star Roofing & Construction is a licensed general contractor — not a public adjuster, insurance company, or law firm. We do not file, adjust, or negotiate insurance claims on behalf of policyholders, interpret insurance policy language or coverage, or provide legal or insurance advice. Filing a claim and all coverage decisions are between you and your insurance carrier. The information on this page is general in nature and provided for educational purposes — please refer to your own policy documents and consult your insurance carrier or agent for guidance specific to your coverage.
