Hail or wind concerns? Start with the condition.
Tell us what you noticed and when you noticed it. An assessment helps document the roof’s condition and the construction work being considered; it is not a promise of coverage or proof that you need a replacement.
- Share your property address and a description of your concern.
- Review photos of observed roofing conditions.
- Discuss a replacement scope and estimate if replacement is being considered.
- Confirm materials, terms and scheduling before approving the work.
Insurance roof replacement: who handles what?
Talo handles the roofing side of the project. We can prepare a construction estimate and discuss technical roofing information, while you address coverage and claim questions with your insurer or an appropriately licensed professional.
Contractors may provide estimates and discuss technical information with an insurer, but may not act as the policyholder’s adjuster on a property they may work on (Texas Department of Insurance).
We do not file or negotiate your claim, promise approval, or offer a deductible waiver. Texas prohibits roofers from offering to waive, rebate or absorb a deductible (Texas Department of Insurance).
What should you do after roof damage?
Report property damage to your insurer as soon as possible, photograph damage and keep repair receipts, following Texas Department of Insurance recovery guidance. Do not delay your claim notification while waiting for our availability.
For your conversation with Talo, have your address, a description of what happened and any photos you already have. Do not climb onto the roof to gather information for us. This site does not offer emergency dispatch or tarping.
Does storm damage always mean a new roof?
No replacement is promised before your roof is assessed. We discuss the observed condition and the proposed construction work, then provide a scope for your review if replacement is being considered.
Insurance payment is a separate question. Your policy and insurer’s determination govern coverage; age or wear alone does not qualify a roof for an insurance-funded replacement (Texas Department of Insurance).