Why You Shouldn’t Request a Roofing Estimate When Insurance Is Covering the Damage
When your roof has been damaged by a storm—whether from hail, wind, or other severe weather—your first instinct might be to call around for estimates. While that makes sense in many situations, it’s not the best approach when your homeowner’s insurance is footing the bill.
As experienced roofers in San Antonio with over 20 years in the business, we want to explain why skipping the estimate and letting the roofer work directly with your insurance company is the smartest—and often most cost-effective—choice.
1. The Insurance Company Already Sets the Price
Insurance carriers use a standardized software called Xactimate to determine the "fair market value" for labor and materials in your area. This is what they base their payout on—not a roofer’s estimate.
So if we give you a written estimate for less than what the insurance company is willing to pay, they may cut your payout to match the estimate, leaving money on the table that could’ve gone toward upgrades, better materials, or code-required items.
2. All You Should Pay Is Your Deductible
Texas law requires that you, the homeowner, pay your deductible. The insurance company pays for the rest—assuming the claim is approved. When done right, the roofer will do the work for the amount the insurance company pays, and your only out-of-pocket cost is your deductible.
No surprises. No hidden fees. And no short-changing yourself by getting a lowball estimate.
3. It Ensures You Get Everything You’re Owed
A knowledgeable roofer knows how to work with insurance adjusters to make sure no damage is overlooked. This includes:
Upgrades like architectural shingles
Synthetic underlayment instead of paper
Ice & water shield in the valleys
Ventilation upgrades
Code-required items that your insurance must cover
By getting involved early, we can make sure you’re not stuck with a patched roof or denied claims.
4. Avoiding Delays and Hassles
Getting multiple estimates wastes valuable time, especially after a storm when contractors are backed up and your home may be vulnerable to further damage. Instead of juggling paperwork and phone calls, let us work directly with your insurance company to speed things up and get the roof replaced as quickly as possible.
5. You’re Hiring Us for Experience, Not Just a Price Tag
At Infinity Roofing in San Antonio, we’ve been working with all major insurance companies for over two decades. We know the process inside and out—and we know how to fight for everything your policy owes you.
In Summary:
When the insurance company is paying for the roof, an estimate isn't just unnecessary—it can actually cost you. Trust a licensed, local roofer to work with your insurer, get your roof fully covered, and make the process smooth and stress-free.
Let us do the heavy lifting—all you need to cover is your deductible.
