Roof Insurance Claim Help in Abilene, TX | Bunton Roofing
Bunton Roofing Is Here to Help—Every Step of the Way
When your roof is damaged by a storm, wind, or hail, it’s easy to feel overwhelmed. The insurance claim process can be confusing, and making the wrong move early on can delay or reduce your payout. At Bunton Roofing, we’ve helped countless homeowners in Abilene and the Big Country navigate roof insurance claims—and we’re ready to walk you through it, too.
Here’s what you need to know about filing a roof insurance claim in Texas—and when you should call us.
What Roof Damage Is Typically Covered in Texas?
Most homeowners insurance policies in Texas cover damage caused by:
Hailstorms
High winds
Fallen trees or debris
Fire or lightning
However, damage from normal wear and tear or poor maintenance is usually not covered. It’s essential to understand what your policy includes and excludes before filing a claim.
Step-by-Step: The Roof Insurance Claim Process
1. Inspect for Damage After a Storm
After a storm hits, your first priority is safety—but once the skies clear, you should have your roof inspected as soon as possible. Damage isn’t always visible from the ground.
👉 This is the perfect time to call Bunton Roofing.
We’ll perform a free, no-obligation inspection to help you determine whether you have a valid insurance claim.
2. Document the Damage
Take clear photos of any visible issues (missing shingles, dents, leaks, etc.). We’ll also provide detailed documentation and an estimate that you can submit with your claim.
3. File Your Claim
Contact your insurance company to start the claims process. They may ask for a copy of the roofing estimate, so having our documentation ready can speed things up.
4. Meet the Insurance Adjuster
Your insurer will send out an adjuster to assess the damage. Having a roofing professional present during this visit can help ensure no damage is overlooked.
Bunton Roofing can meet with the adjuster on-site to advocate for the repairs you actually need.
5. Review the Insurance Offer
Once your claim is approved, the insurance company will provide a payout based on your policy terms—either for the full replacement cost (RCV) or the actual cash value (ACV), minus depreciation.
We’ll help you understand what’s covered, what’s not, and whether any depreciation is recoverable after repairs.
6. Repair or Replace Your Roof
Once your insurance settlement is finalized, it’s time to get the work done. Bunton Roofing uses high-quality materials and local expertise to restore your roof efficiently and professionally.
Understanding Your Deductible (And What Not to Do)
Texas law (HB2102) prohibits roofing contractors from waiving your deductible. If a contractor offers to “cover” or “forgive” your deductible—it’s illegal and a major red flag.
At Bunton Roofing, we operate with full transparency. We’ll help you understand your deductible and offer fair, competitive pricing that fits within your insurance payout.
When Should You Call Bunton Roofing?
Right after the storm. Before you file a claim.
We’ll assess the damage, document it, and give you expert advice about whether it makes sense to involve your insurance company. If it does, we’ll guide you through every step.
From initial inspection to final nail, we’re with you the whole way.
Why Homeowners in Abilene Trust Bunton Roofing
✅ Locally owned and operated in West Texas
✅ Experienced with Texas insurance claims
✅ Honest and insured
✅ We meet with adjusters and advocate for YOU
Need Help After a Storm?
Call Bunton Roofing today to schedule your free roof inspection.
📞 325-274-7050
🌐 buntonroofing.com
We’re not just roofing experts—we’re your neighbors, and we’re here when you need us most.