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.

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.

How long have you been in business?

Baccaro Roofing has served South Texas for over 5 years, with more than 500 completed projects and a 5.0-star rating across our 20+ Google reviews. Ronnie Baccaro is the owner-operator and personally inspects every job. We're built on RGV referrals — most of our work comes from neighbors recommending us.

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.

What does a typical roof replacement cost in the RGV?

Most full residential replacements in the Rio Grande Valley range from $8,000 to $18,000, depending on roof size, slope, material (asphalt shingle vs. metal), and decking condition. Use our free Roof Cost Calculator at /roof-cost-calculator for an instant estimate, or call (956) 600-0501 for a no-pressure on-site inspection.

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.

What warranty do you provide?

Every new roof comes with the manufacturer's material warranty (typically 30–50 years on architectural shingles, lifetime on metal) plus our 5-year workmanship warranty on installation. If anything fails because of how we installed it, we come back and fix it free. No fine print, no hassle.

Are you licensed and insured?

Yes. Baccaro Roofing is fully insured for general liability and workers' comp, and operates across the Rio Grande Valley with all required local permits pulled on every job. We carry full documentation on every job site and can provide certificates of insurance on request before any work begins.

What areas of the Rio Grande Valley do you serve?

We serve all 45+ cities across the Rio Grande Valley — Hidalgo, Cameron, Willacy, and Starr counties — including McAllen, Brownsville, Edinburg, Pharr, Mission, Harlingen, Weslaco, San Juan, Alamo, and South Padre Island. If you're in the RGV, we'll come give you a free inspection.

Do you work in Spanish too?

Yes — completely. Ronnie and most of the Baccaro crew are native Spanish speakers, and we run the entire job in Spanish if that's what you prefer: inspection notes, written quote, insurance adjuster meeting, daily progress check-ins, final walkthrough. The /techos/ section of our site and our Spanish blog posts are written in native Spanish, not translated. Roofing decisions are too important to lose detail in a language gap. Call (956) 600-0501 and ask for Ronnie en español.

Do you work on commercial roofs?

Yes. Baccaro Roofing handles flat and low-slope commercial systems — TPO, EPDM, modified bitumen, and metal — across the RGV. We work with property managers, HOAs, retail centers, and small industrial clients. Same free inspection policy: we'll diagnose what's wrong and quote it honestly before any contract.

Can I finance my roof?

Yes — financing is available on roof replacements through partner lenders so you don't have to cover the full cost upfront. Most homeowners qualify, the application is quick during your inspection visit, and we don't pull credit unless you ask. Visit baccaro-roofing.com/financing for current options, or just mention it during your free inspection and Ronnie will walk through what fits. No pressure if cash works better for you — we won't push financing on anyone.

Back to Blog

Baccaro Roofing GuideHow to File a Roof Insurance Claim in Texas (2026)

May 2, 202610 min read

TL;DR: Texas roof insurance claim process: (1) document damage with photos before mitigation, (2) tarp active leaks immediately (cost is reimbursed), (3) call carrier same day, (4) get independent roofer inspection + written report BEFORE adjuster, (5) meet adjuster on-site with your roofer, (6) review scope of loss, dispute if incomplete. Out-of-pocket = deductible only ($2,500-$8,000 typical RGV). Never accept "we'll cover your deductible" — that's insurance fraud.

Most Texas homeowners file 1–3 roof insurance claims in their lifetime — almost always after a hurricane, hail, or wind event in the Rio Grande Valley. The process can pay for a $15,000 roof replacement for the cost of your deductible, but only if you do it right. Here's the exact process, what to expect, and the mistakes that get claims denied or underpaid.

The 6-step process at a glance

1. Document the damage (photos + video, ideally before any debris is cleaned up) 2. Get a free roofing inspection from a licensed contractor (this is your evidence) 3. File the claim with your insurance carrier (online portal or phone) 4. Meet the adjuster on-site — your contractor should be present 5. Get the carrier's scope of work and approval letter 6. Schedule the replacement — you pay only your deductible

Total timeline: typically 2–4 weeks from inspection to claim approval, plus 1–3 days for the actual roof work. Storm-event surges can extend the adjuster wait by another 2–4 weeks.

What's covered in Texas

Standard Texas homeowners policies cover roof damage from:

Hurricane and tropical storm wind (separate windstorm policy in some coastal counties — more on that below)
Hail (any size that causes functional damage, not just cosmetic)
Tornadoes
Lightning strike
Falling objects (trees, branches, debris)
Wind-driven rain (water damage from rain pushed under shingles by storm wind)

What's typically NOT covered:

Wear and tear (age-related damage, normal granule loss)
Lack of maintenance (leaks from clogged gutters, ignored small repairs)
Pest damage (squirrels, termites)
Manufacturing defects (covered by manufacturer warranty, not insurance)
Cosmetic-only hail damage (some carriers exclude this — check your policy)

What to do BEFORE you call the carrier

This sequence is critical. Do it in this order.

### Step 1: Document everything

Take photos of: - The roof from the ground (multiple angles) - Any visible damage (lifted shingles, dents, missing pieces) - Debris in the yard (especially shingle pieces or tree branches) - The interior — water stains, ceiling damage, any leaks - Hail size next to a coin or ruler if hail event - Before-and-after comparison photos if you have older photos of the roof

Do this within 24 hours of the storm if at all possible. Insurance carriers can question whether damage occurred "in the storm" if there's a long gap.

### Step 2: Get a free roofing inspection

A contractor like [Baccaro Roofing](/contact) goes on the roof, inspects every square foot, photographs damage you can't see from the ground, and generates a detailed report. This report becomes your evidence. A claim filed without a roofing inspection is much more likely to be denied or underpaid.

### Step 3: NOW call the insurance carrier

When you file the claim, you'll have: - Photos of the damage - The roofing inspection report - Specific date of the storm event - A clear understanding of the damage scope

This is much stronger than calling and saying "I think my roof might be damaged."

What happens during the adjuster visit

The carrier sends a claims adjuster to inspect within 5–14 business days (longer after major storm events). Your roofing contractor should attend this meeting. Here's why:

- The adjuster gets ~30 minutes per inspection. They miss things. - Your contractor knows where damage typically hides (under flashing, behind ridge caps, on low-visibility slopes). - The adjuster will write a "scope of work" — what's covered and how much. Your contractor can challenge missing items on the spot. - A contractor presence often results in 15–40% higher claim approval vs. an adjuster inspecting alone.

After the inspection, the adjuster sends you a scope of work letter (sometimes called the "estimate" or "settlement"). Review it carefully. If anything is missing, your contractor can submit a supplement request.

What's the deductible?

Your deductible is what you pay out of pocket. Standard Texas: - All-perils deductible: $1,000–$5,000 - Hurricane / wind deductible: 1–5% of dwelling coverage (so on a $300,000 home, that's $3,000–$15,000) - Hail deductible: same as wind in some policies, separate in others

Important: under §27.02 of the Texas Insurance Code, contractors cannot legally waive your deductible. Anyone who promises to "cover your deductible" is committing insurance fraud, which can result in your entire claim being denied. Walk away from anyone offering this.

What about wind/hurricane policies (Texas Windstorm Insurance Association)?

Coastal counties — Cameron and parts of Willacy in our area — fall under the TWIA (Texas Windstorm Insurance Association) zone. Properties in these areas often need a separate windstorm policy in addition to standard homeowners.

If you're in [Brownsville](/areas/brownsville), [Port Isabel](/areas/port-isabel), [South Padre Island](/areas/south-padre-island), or [Los Fresnos](/areas/los-fresnos), check whether your roof is covered by TWIA, your standard homeowners, or both. Filing the claim with the wrong carrier delays the process.

For TWIA claims, you'll also need a WPI-8 windstorm certification on the new roof to maintain coverage. Make sure your contractor is qualified to provide it.

Common mistakes that get claims denied

1. Waiting too long to file. Most policies require notice within 30 days of the loss. After 90 days, you're often out of luck. 2. Cleaning up debris before documenting it. Carriers want to see the storm evidence. 3. Letting an adjuster inspect alone. They'll write up what they see in 30 minutes — which is often less than what's actually wrong. 4. Signing an "Assignment of Benefits" without understanding it. This transfers your claim rights to the contractor. Common in scam contractor contracts. 5. Choosing a contractor who promises to waive the deductible. Illegal, and your claim can be denied if discovered. 6. Accepting a partial denial without contesting. You can request a re-inspection with a different adjuster, submit additional documentation, or hire a public adjuster. Many partial denials get overturned with proper evidence.

What if my claim is denied or underpaid?

You have options:

1. Request a re-inspection with a different adjuster (free, just call the carrier) 2. Submit a supplement — additional documentation showing missed damage 3. Request the claim file in writing — see exactly what the adjuster noted 4. File a complaint with the Texas Department of Insurance if you believe the carrier acted in bad faith 5. Hire a public adjuster — independent claim professionals who work on your behalf for a percentage of the recovery

Baccaro Roofing has helped overturn many partial denials in McAllen, Edinburg, and Brownsville with proper photo evidence and code-compliance citations.

How long does the whole process take?

| Phase | Typical timeline | |-------|------------------| | Damage event to filing claim | Same day to 30 days | | Adjuster inspection scheduled | 5–14 business days | | Scope of work / approval letter | 7–14 days after inspection | | Material ordered | 3–7 days | | Roof replacement work | 1–3 days | | Total | 3–6 weeks typical |

Storm surges can extend each phase. Major hurricanes can mean a 2–3 month wait for adjuster availability.

Common questions

### Will my premium go up after a claim?

Possibly. A single storm-related claim usually doesn't trigger a rate increase in Texas — these are categorized as "act of God" rather than at-fault. Multiple claims within a few years can affect your rate or insurability.

### Can I just take the cash and not replace the roof?

Some Texas policies pay actual cash value (ACV) upfront and the depreciation balance after work is completed (replacement cost value, RCV). If you take the ACV and don't do the work, you don't get the depreciation. Plus your roof remains damaged and may not be insurable.

### What if my roof is older than 15 years?

Some carriers depreciate older roofs heavily or refuse to insure them at all. If your roof is approaching 20 years, plan a replacement before storm season starts — not after.

### Should I get a public adjuster?

For straightforward claims under $20k, usually not — they take 10–25% of the recovery. For complex or denied claims over $30k, a public adjuster often pays for themselves.

Need help with a claim?

Call (956) 600-0501 for a free damage inspection and claim assistance. We document everything, meet your adjuster on-site, coordinate directly with most major Texas carriers (State Farm, Allstate, USAA, Farmers, Liberty Mutual, Travelers), and handle the back-and-forth so you don't have to.

Bilingual English/Spanish service. Licensed and insured. We've handled hundreds of storm and hail claims across the Rio Grande Valley.