How long does a roof replacement take?

Most residential roof replacements are completed in 1–3 days, depending on the size and complexity of your roof. We work efficiently while maintaining the highest quality standards.

Do you offer free estimates?

Yes! We provide free, no-obligation estimates for all roofing services. Call us at (956) 600-0501 or visit our contact page to get started.

What roofing materials do you use?

We use top-quality materials from trusted manufacturers including architectural shingles, metal roofing, and flat roofing systems. We'll recommend the best option for your home and budget.

Do you help with insurance claims?

Absolutely. We have extensive experience working with insurance companies. We'll document the damage, meet with adjusters, and ensure you get the coverage you deserve.

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Baccaro Roofing GuideDocumenting Hail Damage for Your Insurance Claim

May 25, 20265 min read

TL;DR: Hail claim adjusters miss damage 30-40% of the time. The single biggest factor in a fully-paid claim is independent documentation. Photo + video everything within 48 hours: hailstones with scale reference, every roof slope, every penetration, all interior damage. Get a written roofer report BEFORE the adjuster arrives.

What insurance carriers want to see

Insurance adjusters work fast. To pay a claim, they need: - Date the damage occurred (linked to a known storm event) - Geographic plausibility (your address was in the storm path) - Visible damage with photographic proof - Causation (damage matches the storm — not pre-existing wear)

Your job is to make all four undeniable.

The 48-hour documentation checklist

### Within 24 hours (do these yourself)

Hailstone evidence: - Largest hailstone next to a coin (penny, quarter) or ruler — at least 5 photos - Wider shot showing the hailstone size pattern in your yard - One large hailstone in your freezer (no joke — for documentation, sometimes adjusters request)

Property exterior: - Each side of your house from across the street - Roof from each side (telephoto if you have one — DO NOT climb) - Driveway, sidewalk, patio (looking for pock-marks in concrete = corroborates hail size) - Mailbox, fence, AC condenser (dent corroboration) - Window screens (often hail-bent; corroborates direction and severity) - Plant leaves and gardens (shredded foliage = corroborates severity)

Interior: - Walk every room - Photo + video every ceiling - Note any tiny water spots that may grow into stains over the next 7 days

### Within 48 hours (have a professional do this)

Independent roof inspection: - Free from us at (956) 600-0501 - Drone footage on steep pitches - Photos of every slope with closeups of damage zones - Check pipe boots, vent stacks, skylights, chimney flashing - Attic check for daylight or water staining - Written report delivered within 24 hours

This is the report that drives a fully-paid claim. Adjusters who see independent professional documentation negotiate scope-of-loss differently than adjusters working from their own inspection alone.

How to photograph effectively

Phone tips: - Time-stamp on: most phones do this automatically; verify in metadata - Geotag on: ditto; helps prove location - Wide AND close: each damage area gets a wide context shot + a tight detail shot - Multiple angles: same damage from 3 vantages - Include reference scale: a coin, ruler, hand for size comparison

Video tips: - 30-60 second walking videos with running narration - Mention date, time, address, then walk through the damage describing what you see - Audio matters: narration is testimony

Pre-existing damage problem (and the solution)

The biggest reason claims get partially denied is the carrier alleging that damage was pre-existing — not from the storm.

The defense: documented condition BEFORE the event. Three sources:

1. Pre-season Baccaro inspection report (we provide this free in May for hurricane prep — date-stamped photos of pre-storm condition) 2. Real estate photos (if you bought the home recently) 3. Old Google Street View (free; archives go back ~5 years)

If you have ANY of these from before the event, the pre-existing argument fails.

Adjuster meeting prep

When the adjuster arrives:

1. Have your photos and report printed or on a tablet 2. Walk the roof together if pitch allows; otherwise drone 3. Point out every damage area — don't trust the adjuster to find them 4. Take notes on what they document 5. Ask for a copy of their photos before they leave 6. Have your roofer present if possible (we attend adjuster meetings on every claim we handle)

After the adjuster leaves:

7. Email a thank-you with copies of YOUR photos — creates a paper trail 8. Wait 7-14 days for the scope of loss 9. Compare the scope to YOUR roofer's report 10. If anything is missing, request re-inspection or supplemental claim

What if scope is incomplete?

If the adjuster's scope of loss undercounts damage by more than 10%:

1. Email the carrier with your roofer's report attached 2. Request a re-inspection with a different adjuster 3. If denied, file a complaint with [Texas Department of Insurance](https://www.tdi.texas.gov/consumer/complfrm.html) 4. For complex claims, hire a public adjuster (10-25% of recovery)

We've successfully overturned partial denials on dozens of RGV claims with proper documentation.

What NOT to document

Don't fabricate damage — that's fraud
Don't move debris before photos — destroys evidence
Don't make permanent repairs before adjuster — only temporary mitigation (tarps)
Don't accept a contractor's "we'll bill insurance directly without you seeing" — that's a scam pipeline

Common questions

### What if the storm was a week ago?

Document now anyway. Late documentation is weaker but still better than none. File the claim immediately.

### Do I need professional photos?

No. Phone photos with timestamps are accepted by every major Texas carrier. Volume matters more than quality — 50 phone photos beats 5 pro shots.

### What about the hailstone in my freezer?

Some adjusters want to see it. Most don't. Keep it for 30 days, then dispose.

### How long do I have to file?

Most Texas policies require notice within 30-60 days of the event. Some have 30-day strict deadlines. Read your policy or call your agent.

### Will the adjuster argue with my roofer?

Sometimes. Polite back-and-forth on scope is normal. The independent professional report typically prevails when documentation is clear.

Get a free post-hail inspection

(956) 600-0501 — free, no-obligation. We document with photos, meet your adjuster, coordinate the claim. Bilingual English/Spanish.