Roof Shingle Wind DamageYour homeowner’s insurance policy provides coverage for all storm damage such as wind and hail. The insurance company will usually pay the entire cost of replacing your roof and other damage, less the deductible, at current rates, if it is damaged if you have a Replacement Cost Value (RCV) policy. 90% of homes have RCV policies.

Homeowners are sometimes hesitant to file insurance claims for storm damage because they think that will cause an increase in their insurance premiums.  Per Texas law, there can and will be no detrimental effects to an individual’s insurance records or any increase in their premiums due to claims filed for natural disasters (storms).

Rio Blanco Roofing & Restoration LLC specializes in storm damage identification and weather related damage repair and replacement; including roofing, gutters, siding, painting and windows on the home’s exterior as well as sheetrock repair and texture, painting, flooring and carpet cleaning inside the home.

shingle roof hail damage

The owner/manager of Rio Blanco Roofing & Restoration, Kit England, worked as a catastrophe insurance adjuster for major insurance carriers for a decade, attended comprehensive schooling from the claims departments of those insurance companies, and graduated 1st in his class from the prestigious 3 week course at Vale Training Solution’s – Property Adjusting School in Fresno, CA.  All of that education was designed to develop three primary skills; interpreting the complicated property insurance policies, identifying property damage that is covered by those policies and estimating the cost of repairing that damage. Acatastrophe adjuster specializes in storm damage, particularly hail and wind damage to all roofing types and every other aspects of a building, including paint, siding, windows, gutters, light fixtures, mailboxes, air conditioning units, and more.  Additionally, Kit has completed the extensive training from and is currently certified as a Haag Certified Inspector by one of the nation’s premier forensic, property damage, engineering firms, Haag Engineering in Dallas, TX.  Texas State Law prohibits a contractor from also acting as an adjuster or public adjuster for a property owner. But a licensed contractor can provide input and opinions on repair requirements, methods and the costs of those repairs to your insurance representatives.

Kit now utilizes this insurance claim training, knowledge and experience to help Rio Blanco Roofing & Restoration clients by:

  • Providing free inspection and assessment of a homeowners roof and property to determine if they actually have damage caused by storm conditions in Boerne and,
  • At a homeowners request, to be available during the inspection by the insurance companies representatives. Rio Blanco Roofing & Restoration LLC will provide input concerning repair requirements and costs and point out damage that we feel may be missed by the adjuster.

It makes sense for a homeowner to have a knowledgeable restoration contractor representative present during the insurer’s inspection and many insurance companies prefer the contractor of choice is present.  If you would like a free inspection to determine if you have storm damage covered by your insurance policy call us at 210-253-9665.  We would love to help you with your insurance claims.