capital City roofing

Insurance Info

Dealing with roof insurance can feel overwhelming, especially when you’re already stressed about storm damage or leaks. At Capital City Roofing, we’re here to make the process as smooth and stress-free as possible. Let’s break it down step by step so you know what to expect and how we can help.

guaranteed insurance

What Does Roof Insurance Cover?

Your homeowner’s insurance policy is your safety net when things go wrong with your roof, especially after unpredictable events like hailstorms or strong winds. But not all policies are the same. Here’s what you need to know:

Replacement Cost Coverage: This is like having a reset button for your roof—it covers the full cost of repairs or replacement based on today’s prices, without factoring in depreciation.
Actual Cash Value Coverage: Think of this as the “yard sale” version. It considers the age of your roof, so you’ll get less for an older roof.

Take some time to review your policy to know what’s covered. Don’t hesitate to reach out to your insurance agent if you’re unsure.

Benefits

Why Hire a Insured Roofer?

When it comes to repairing or replacing your roof, who you hire matters. Not all roofing contractors are created equal. At Capital City Roofing, we’re fully insured, which means you’re protected from liability in case of accidents during the project. While Texas doesn’t require roofers to have a state license, we hold ourselves to high standards to give you confidence in our work.

Steps to Filing a Roof Insurance Claim

Filing a claim doesn’t have to be a nightmare. Here’s how you can make it straightforward:

Check for Damage

After a storm, take a good look at your roof—but only if it’s safe. Missing shingles, leaks, or debris are telltale signs. Snap some photos to document what you see.

Know Your Policy

Dig out your insurance documents and read through the details. Not sure about something? Give your agent a call to clarify.

File Quickly

Insurance companies have deadlines, and waiting too long could complicate things. Start the process as soon as you notice damage.

Bring in the Pros

This is where we come in. Our team at Capital City Roofing will inspect your roof thoroughly, document everything, and even meet with your adjuster to ensure nothing gets overlooked.

Roof Maintenance Tips to Keep in Mind

Let’s face it—insurance claims are a hassle. The best way to avoid them is by taking care of your roof. Here are a few easy things you can do:

Schedule regular inspections, especially after bad weather.
Keep gutters clear so water flows freely and doesn’t pool on your roof.
Trim back tree branches that hang over your home to avoid damage from falling limbs.
Fix small issues, like loose or missing shingles, before they turn into major headaches.

We’re Here for You

At Capital City Roofing, we don’t just fix roofs—we make sure you feel supported every step of the way. Whether it’s helping you understand your policy, documenting damage, or working with your insurance company, we’ve got your back.

Need help with an insurance claim or just have questions? Give us a call. Let us handle the hard stuff so you can focus on what really matters—keeping your home safe and secure.