Your Hail Claim Was Denied in DFW. Here Are Your Next Five Moves.
A denial is not the end of a roof claim. Reinspection, supplement, appraisal, TDI complaint, or counsel — here's the order to work through them in Texas.
Roughly a third of the denial letters we read in Dallas–Fort Worth are defensible. The rest are worth pushing on. Here is the order to work through it.
1. Read the actual reason
“No covered damage,” “wear and tear,” “cosmetic only,” “damage predates the policy,” and “below deductible” are five different problems with five different answers. Request the full adjuster report and photo file in writing — you are entitled to it.
2. Get an independent inspection with real documentation
Dated photos, chalk-marked test squares on every slope, soft-metal evidence, and the NOAA hail history for your exact address on the loss date. If the storm did not hit your address, we will tell you that.
3. Request a reinspection or file a supplement
New evidence justifies a reinspection, often with a different or senior adjuster. Submit photos and a written scope, not a phone complaint.
4. Invoke the appraisal clause
If the dispute is about amount rather than coverage, appraisal is faster and cheaper than litigation. See our guide to the Texas appraisal clause.
5. Escalate: TDI, a public adjuster, or an attorney
You can file a complaint with the Texas Department of Insurance. For coverage denials and bad-faith questions, hire a Texas-licensed public adjuster or an attorney. A roofing contractor legally cannot negotiate your claim for you in Texas — be suspicious of anyone who offers.
What we do
We inspect, document, meet your adjuster on the roof, write an accurate scope, and build the roof correctly when it is approved. Call (844) 893-7326 or request a free inspection.