Hail & wind insurance claims
Hail hit your roof. Here’s exactly what to do.
The claims process can be intimidating. NRS has a seamless reputation with the insurance carriers and mortgage companies we’ve worked with. We document the damage, meet your adjuster on the roof, and stay with you until the work is done.
What hail damage looks like
Damage you can’t see from the driveway.
Drag the slider to compare a storm-damaged roof with a new impact-resistant one. These are the signs we photograph for your claim:
- Hail bruises & granule loss. Dark, soft spots where the protective granules were knocked off.
- Cracked or split tabs. Impacts and freeze cycles open the shingle to water.
- Missing or creased shingles. Wind lifts tabs and breaks their seal.
- Collateral damage. Dented vents, gutters and downspouts help confirm hail size and date.
Illustration. Your free inspection includes real 4K photos of your roof.
The claim, step by step
Seven steps. We’re with you for all of them.
Note the storm date
Write down when the storm hit and take safe photos from the ground: dents in gutters, granules in downspouts, damaged screens. Stay off the roof.
Free inspection Nexgen
We inspect every slope and log everything digitally with 4K photos that support your claim, ideally before the adjuster comes out.
File the claim
Call your carrier (directory below) with the storm date. It’s vital to know the date and have knowledge of roof assemblies and the scope of damage, and we can help on a 3-way call.
We meet the adjuster Nexgen
Shannon meets the field adjuster at your home to direct their camera and attention to every bit of damage, so nothing gets missed.
Review the scope together Nexgen
We compare the adjuster’s estimate against what we documented and help request supplements for missed items like vents, flashing or code upgrades.
Pick your shingle & schedule
Choose your brand and color from our Shingle Hub, pay your deductible, and we schedule the install.
Final invoice & depreciation Nexgen
If your policy pays replacement cost, held-back depreciation is usually released after the work is complete. We send the paperwork your carrier needs.
Texas law & your deductible
We won’t waive your deductible, and no honest roofer should.
Texas House Bill 2102 (2019) made it illegal for a contractor to waive, absorb or rebate an insured’s deductible. NRS follows the law (“Let every soul be subject to the governing authorities,” Romans 13:1), and we’ll be upfront about it from day one.
Read HB 2102 (opens in a new tab)Need help with the deductible? Ask us about payment options. Financing a deductible is permitted under Texas law.
Will filing raise my rates? Texas premiums are driven largely by your ZIP code and regional storm losses. A covered hail claim is what insurance is for. Ask your agent how your policy handles it.
Claim already denied? Call us. We’ve helped homeowners get adjusters back on the roof for a second look, and seen denials turn into approvals.
Related roofing services
Carrier claim lines
Find your insurance company’s claims number.
A quick reference no matter who your carrier is. Always confirm the number on your policy declarations page or your carrier’s app.
47 carriers shown
| Carrier | Claims line |
|---|---|
| ACCC Ins Co | (888) 823-0888 |
| Aegis Security Ins Co | (800) 233-2160 |
| AIG Prop Cas Co | (877) 399-6442 |
| Allied Prop & Cas Ins Co | (800) 421-3535 |
| Allstate Fire & Cas Ins Co | (800) 255-7828 |
| Allstate Ind Co | (800) 255-7828 |
| Allstate Ins Co | (800) 255-7828 |
| Allstate Northbrook Ind Co | (800) 255-7828 |
| Allstate Prop & Cas Ins Co | (800) 255-7828 |
| Allstate Vehicle & Prop Ins Co | (800) 255-7828 |
| Amco Ins Co | (800) 421-3535 |
| American Bankers Ins Co Of FL | (800) 358-0600 |
| American Family Home Ins Co | (800) 375-2075 |
| American Modern Home Ins Co | (800) 375-2075 |
| American Modern Select Ins Co | (800) 375-2075 |
| American Natl Prop & Cas Co | (800) 333-2860 |
| American Security Ins Co | (800) 358-0600 |
| American Strategic Ins Corp | (866) 274-5677 |
| Amica Mut Ins Co | (800) 242-6422 |
| Armed Forces Ins Exch | (800) 255-0187 |
| AssuranceAmerica Ins Co | (888) 580-8134 |
| Auto Owners Ins Co | (888) 252-4626 |
| Automobile Ins Co Of Hartford CT | (800) 252-4633 |
| Bankers Standard Ins Co | (800) 252-4670 |
| Bristol W Ins Co | (800) 274-7865 |
| Centauri Specialty Ins Co | (866) 215-7574 |
| Central Mut Ins Co | (888) 263-2924 |
| Chubb Natl Ins Co | (800) 252-4670 |
| Coastal Select Ins Co | (877) 642-1815 |
| Dairyland Ins Co | (800) 334-0090 |
| Direct Gen Ins Co | (800) 403-1077 |
| Electric Ins Co | (800) 227-2757 |
| Encompass Ind Co | (800) 255-7828 |
| Encompass Ins Co Of Amer | (800) 255-7828 |
| Essentia Ins Co | (800) 362-7535 |
| Esurance Ins Co | (800) 255-7828 |
| FBAlliance Ins Co | (866) 307-7127 |
| Federal Ins Co | (800) 252-4670 |
| FedNat Ins Co | (800) 293-2532 |
| First Acceptance Ins Co Inc | (800) 779-2103 |
| First Community Ins Co | (800) 627-0000 |
| First Natl Ins Co Of Amer | (844) 339-5299 |
| First Protective Ins Co | (877) 744-5224 |
| Foremost Ins Co Grand Rapids MI | (800) 527-3907 |
| Foremost Prop & Cas Ins Co | (800) 527-3907 |
| Garrison Prop & Cas Ins Co | (800) 531-8722 |
| General Cas Co Of WI | (800) 841-3000 |
Real claim stories
“He dealt with the insurance company personally on my behalf.”
What an incredible job on my roof replacement. Shannon met the adjuster from my insurance company at my house. At first he said my claim was denied. Shannon politely and professionally got the adjuster back on my roof. When they came down, the adjuster told me, “You picked the right contractor,” and approved my claim. All I can say is, WOW!
Great customer service: Shannon went above and beyond dealing with the insurance company personally on my behalf to increase the settlement. Then sent his crew out to provide a fantastic job.
He helped me through the entire process with my insurance company, and it was a long process. He met with the insurance adjuster and made sure he saw the damages to my roof from the previous storm so they didn’t miss anything. I would recommend this company 100%.
Hail · Wind · Leaks · Old age
Get a free roof inspection, with 4K photos you keep.
Shannon’s team climbs the roof, documents every hit and lifted shingle, and tells you plainly whether you need a repair, a full replacement, or nothing at all.