Roof Insurance Claim Assistance in Bastrop County and Central Texas

Straightforward guidance through the roofing insurance process from a local team focused on honesty, clear communication, and doing what’s best for your home.

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Insurance Claim Assistance

Dealing with storm damage and insurance claims can be overwhelming, but you don't have to navigate the process alone. Our goal is to make the process as simple and stress-free as possible.

We're here to help with the details of your claim, including inspecting and documenting storm damage, reviewing the approved scope of work, preparing supplements when needed, and coordinating the approved repairs.

We'll help take care of all the details so you can focus on the important decisions - like what color you want your new roof to be!

2,400 
Projects Completed
5 
Google Rating
100 
Safety Rating
Hail Damage Inspection

Roof Storm Damage Inspections

Shingle Hail Hit

Understanding Storm & Hail Damage

Not all storm damage looks obvious from the ground. Hail, high winds, and flying debris can damage shingles, flashing, vents, gutters, and other roofing components without creating an immediate leak.

Common signs of storm damage include:

  • Missing or lifted shingles
  • Granule loss
  • Dented gutters or metal vents
  • Cracked shingles
  • Water stains or leaks inside the home
  • Exposed shingle matting
  • Damaged flashing or ridge caps

The age and condition of your roof also play a role in how severe storm damage may be and whether filing a claim makes sense.

Metal Hail Hits

Helping You Understand the Process

We help homeowners navigate the roofing insurance process by providing documentation, explaining what we’re seeing, and helping communicate the scope of damage clearly.

We can assist with:

  • Roof inspections after storms
  • Photo documentation of damage
  • Insurance claim guidance
  • Meeting with adjusters
  • Reviewing the insurance scope
  • Explaining repair vs replacement options

Our goal is to make the process easier to understand so you can make informed decisions about your home.

Will Insurance Cover My Roof?

What Homeowners Should Know

In many cases, homeowners insurance may cover roof repairs or replacement if the damage was caused by a covered event like:

  • Hail
  • Wind
  • Fallen trees
  • Storm-related impacts

Coverage depends on your specific policy, deductible, roof age, and the type of damage involved.

Normal aging and wear are typically not covered.

Some policies may include:

  • Replacement Cost Value (RCV)
  • Actual Cash Value (ACV)
  • Cosmetic exclusions for certain types of damage

We always recommend reviewing your policy with your insurance provider so you understand your coverage and options clearly.

Hail damaged homes

What to Expect During the Claim Process

Our Process

  1. Schedule a roof inspection
  2. We assess storm-related damage and document findings
  3. We explain what we’re seeing in plain language
  4. If appropriate, you contact your insurance company
  5. We meet with the adjuster if needed
  6. We review the approved scope with you
  7. We complete the repair or replacement work

Throughout the process, we focus on communication, transparency, and helping homeowners understand what’s happening at each step.

Roof damage storm

Why Homeowners Work With Spade Roofing & Gutters

Local. Honest. Hands-On.

Spade Roofing & Gutters is a family-operated roofing company based in Bastrop County. We stay directly involved throughout inspections, communication, project management, and customer support so homeowners always know who they’re working with.

Homeowners choose us because we focus on:

  • Honest inspections
  • Clear communication
  • Repair-first thinking when appropriate
  • Quality workmanship
  • Long-term roof performance
  • Local accountability

We’re also the only Owens Corning Platinum Preferred Contractor in Bastrop County, a certification awarded to a small percentage of roofing contractors nationwide.

Ace & Courtney Fierro

Frequently Asked Questions About Insurance Claims

Most homeowners start with a roof inspection so they can understand whether storm damage is actually present before filing a claim.

Signs can include granule loss, dents on metal components, cracked shingles, or exposed shingle matting. A professional inspection can help identify whether functional damage exists.

Sometimes, yes. The right option depends on the age of the roof, extent of damage, repairability, and overall roof condition.

Yes. If requested, we can meet with your adjuster to review storm-related roof damage and discuss the scope of work.

Insurance policies and rate adjustments vary by carrier and situation. We recommend speaking directly with your insurance provider for details about your policy.

Need an Honest Roof Inspection After a Storm?

If you think your roof may have hail or storm damage, we’re happy to take a look and give you a straightforward assessment.

2,400 

Projects Completed

5 

Google Rating

100 

Safety Rating

10 

Years in Business

Schedule Your Roof Inspection Today

Every home is different, which is why we take the time to understand your situation and provide honest recommendations based on what you actually need. From roofing and gutters to repairs and storm restoration, our goal is to make the process clear and stress-free.

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