Find Out What Your Insurance Will Actually Cover
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.
Insurance companies don't work in your favor by default
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.
Why homeowners want a contractor present for the inspection
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.
We Document What Gets Missed
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.
We Speak the Technical Language
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.
We're There in Person
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.
We Walk You Through Every Term
ACV, RCV, depreciation, supplements — we explain what each line of your claim actually means, in plain English, before you sign anything.
Every Major Carrier, Every Time
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.
Free, With No Obligation
This consultation costs nothing and doesn't commit you to anything. You decide what happens after you understand your options.
From your estimate to a roof insurance actually pays for
Every step explained up front — no surprises, no fine print you find out about later.
We Confirm the Damage
A free, detailed inspection with full photo documentation — the same one behind the estimate you just got.
You File, We Guide You
Filing the claim is always your call as the policyholder — we walk you through exactly what to say and what to expect.
We Meet Your Adjuster
We're on the roof with your adjuster, pointing out documented damage and answering technical questions on the spot.
We Review, Then Build
We go through the approved scope with you line by line, then get your new roof built right — under warranty.
Coordinate Your Free Insurance Consultation
Tell us the best day and time this week, and a Lonestar insurance specialist will call to walk through your specific situation.
- No cost, no obligation to proceed
- Talk through your specific roof and coverage questions
- Learn exactly what to expect before you file
- Available in English & Spanish
We've pulled in your info from your roof estimate — just double-check it and pick a time below.
Thanks — we've got your info.
A Lonestar insurance specialist will call you at your preferred day and time to walk through your options. No cost, no obligation.
Save our number below so you recognize the call.
(817) 778-9479 📇 Save Our Number to Contacts Or Call Us Now: (817) 778-9479Frequently Asked Questions
No. This call is completely free with zero obligation. You're simply getting a Lonestar 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, Lonestar 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.
Lonestar 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.
