Storm Damage Restoration
We handle your insurance claim from documentation to final inspection so you get a new roof and pay only your deductible. 500+ claims handled across the DFW metroplex.
Active Leak? We’ll Tarp Your Roof for Free.
Emergency tarping available same-day to stop the water before permanent repairs begin.
Our 7-Step Insurance Claim Process
We guide you through every step so you never feel lost. Most homeowners pay only their deductible.
Document the Damage
Take photos of any visible damage, note the date and time of the storm, and save any severe weather alerts you received.
Call Your Insurance Company
File the claim with your carrier and get your claim number. Don't let them send their own contractor — you have the right to choose.
Call Summit BEFORE the Adjuster Arrives
This is the most important step. We need to be there when the adjuster inspects your roof so nothing gets missed or undervalued.
We Meet the Adjuster on Your Roof
Our estimator walks the roof with the insurance adjuster, pointing out every area of damage and ensuring the scope is accurate and complete.
We Agree on Scope of Work
We review the adjuster's report, verify it covers all necessary repairs, and negotiate any items that were missed or underbid.
Insurance Approves the Claim
Once the scope is finalized, your insurance company issues approval. We handle the supplemental paperwork if additional work is needed.
We Replace Your Roof
Our certified crew installs your new roof to manufacturer specs. You pay only your deductible — insurance covers the rest.
What If My Claim Is Denied?
A denial doesn’t always mean the end. Insurance companies deny claims for a variety of reasons, and many denials can be overturned with the right documentation.
- We re-inspect your roof with detailed, annotated photos
- We prepare a comprehensive supplement package for the appeal
- We communicate directly with the adjuster to resolve disputes
- If the denial holds, we give you an honest cash quote — no pressure
We’ve overturned hundreds of initial denials. Don’t accept a “no” until we’ve reviewed your case.
Types of Storm Damage We Handle
Hail Damage
Hail bruises shingles and breaks the protective granule layer, exposing the asphalt to UV degradation. Damage is often invisible from the ground but shortens your roof's life dramatically.
Wind Damage
High winds lift shingle edges and break the sealant strips, allowing water to penetrate underneath. Even if shingles look intact, the bond may be compromised.
Tornado & Severe Storm
Tornadoes and severe storms can rip off entire sections of roofing, damage the decking, and scatter debris. Emergency tarping and rapid response are critical.
Why Homeowners Trust Summit After a Storm
500+ Insurance Claims Handled
We've worked with every major carrier in Texas and know exactly what documentation they require.
We Meet the Adjuster for You
Our estimator is on your roof with the adjuster to ensure nothing gets missed or undervalued.
Full Supplement Support
If the initial estimate comes in low, we file detailed supplements to get the scope corrected.
Free Emergency Tarping
Active leak? We'll tarp your roof same-day at no charge to stop water damage while we process the claim.
Storm Damage FAQs
In most cases, no. If your insurance claim covers the full scope of work, you pay only your deductible and we handle the rest. We will never inflate a claim or charge you for unauthorized work. If there are items not covered by insurance, we'll discuss them with you upfront.
From filing the claim to starting construction, the typical timeline is 2-4 weeks. The adjuster visit usually happens within 7-10 business days. Once the claim is approved, we can have your new roof installed within a week.
Denials happen, but they're not always final. We'll review the denial letter, re-inspect your roof, and help you file a formal appeal with additional documentation. If the denial stands, we'll give you an honest assessment and a fair cash quote for the work needed.
Either order works, but call us before the adjuster comes out. The adjuster visit is where the scope of work gets determined, and having our estimator present ensures nothing is missed. If you've already filed and the adjuster is scheduled, call us immediately so we can be there.
Yes. We've worked with every major carrier in Texas including State Farm, Allstate, USAA, Farmers, Liberty Mutual, Nationwide, and Progressive. We know how each company handles claims and what documentation they require.
This happens more often than it should. When we're present during the inspection, we can point out damage the adjuster might miss. If the initial estimate comes in low, we file a supplement with detailed photos and line-item pricing to get the scope corrected.
Get Your Free Storm Inspection
We handle the insurance process start to finish.
500+ claims handled. Free emergency tarps. You pay only your deductible.