Storm Restoration Specialists

Initial property inspection

We inspect the roof and accessible exterior components for wind, hail and water-related conditions. The inspection may include shingles, ridge caps, flashing, valleys, vents, pipe boots, gutters, siding, windows and interior evidence.

• Photographs and condition notes
• Roof dimensions, pitch, stories and access
• Immediate safety or temporary-protection needs
• Explanation of repairable versus widespread conditions

Homeowner reviews the findings

We explain what was observed and provide construction guidance. The homeowner decides whether to contact the insurance company after considering the policy, deductible and likely repair cost. Texas Windstorm Solutions does not determine coverage or file the claim for the policyholder.

Claim notification and temporary protection

If the homeowner reports a claim, the insurer assigns a claim number and adjuster. Photograph conditions before temporary work, take reasonable steps to prevent further damage and keep all receipts. Permanent repairs normally wait until the carrier has inspected or approved the work.

Adjuster inspection meeting

When requested by the homeowner, we can meet the insurance adjuster at the property. We provide access, identify documented construction conditions, confirm roof measurements and discuss applicable repair methods, code-related components and manufacturer installation requirements. The adjuster independently evaluates the claim for the carrier.

Carrier estimate and coverage decision

Texas Windstorm Solutions provides the construction scope of work, measurements, photographs and technical documentation. The insurance carrier—not the contractor—determines the final insurance estimate using its Xactimate pricing and policy terms. Homeowners should review the carrier estimate, deductible, depreciation, exclusions and payment explanation. Questions about coverage or pricing decisions should be directed to the carrier, agent, licensed public adjuster or attorney as appropriate.

Construction-scope review

We compare the carrier’s approved scope with field measurements and the work required to complete the restoration. If a necessary construction item is missing or a concealed condition is discovered, we can provide an updated scope of work, photographs and technical construction documentation for carrier review. The carrier decides whether to approve a supplement and establishes the associated Xactimate pricing. This is construction communication—not claim negotiation or public adjusting.

Agreement, selections and scheduling

After the scope is understood, the homeowner reviews the written contract, material system, color, warranty terms, payment schedule and expected timeline. The policy deductible is the homeowner’s contractual responsibility and is paid to the contractor as part of the project cost—not paid or given to the insurance company. A Texas contractor cannot legally waive, rebate or absorb the deductible.

Progress documentation and change conditions

We document installation progress. If damaged decking or another concealed condition is found, the homeowner is informed before additional work proceeds whenever practical. Covered supplements remain subject to carrier review and policy terms.

Final walkthrough and completion documents

We review the completed work, address punch-list items and provide the final invoice, photographs and applicable warranty information. The homeowner receives a clear record of what was installed.

Final insurance payment and closeout

For replacement-cost policies, the carrier may hold recoverable depreciation until completed work and costs are documented. The carrier may then release one or more additional payments—sometimes through two or more checks—for approved supplements, recoverable depreciation or other remaining covered amounts. Check timing and payees are determined by the carrier and policy. The homeowner is responsible for applying the deductible and applicable insurance proceeds to the contractor balance and completing payment according to the construction agreement.