MasterBuilt Roofing
MasterBuilt
Roofing

Storm ClaimsKnow the process. Protect your rights.

MasterBuilt Roofing

MasterBuilt Roofing helps Texas homeowners navigate the storm insurance claim process with clarity, integrity, and full compliance with Texas law.

HONEST INSPECTIONSNo pressure. Just facts.
CLAIM SUPPORTFrom start to finish.
LEGAL COMPLIANCEWe follow Texas law.
Texas law protects homeowners.We make sure your claim is handled the right way.

The Storm Claim Process in Texas

A legal overview of how the process works and what to expect.

1

STORM OCCURS

Severe weather damages your roof or property.

2

INSPECTION

Have your roof inspected by a licensed professional. We provide drone & photo evidence.

3

FILE CLAIM

You (the insured) notify your insurance company to open a claim.

4

ADJUSTER INSPECTION

The insurance adjuster inspects the damage and prepares an estimate.

5

CLAIM DECISION

The insurer issues a payout based on covered damages (minus deductible).

6

REPAIRS BEGIN

Once the claim is approved, repairs can begin.

7

FINAL COMPLETION

Work is completed to industry standards. We stand behind our work.

How Much Will I Pay?

(The Deductible)

In Texas, homeowners are responsible for paying the deductible on all storm claims. This is the only amount you are required to pay out of pocket.

Your policy will state your deductible amount. It is typically calculated as either:

  • A flat dollar amount (e.g., $2,500)
  • Or a percentage of your Coverage A value(e.g., 1% – 2% of your home's insured value)
You pay the deductible.Your insurance company pays the remaining covered amount.
Example:

Home Insurance Coverage (Dwelling): $300,000

Deductible (1%): $3,000

Insurance Payout for Covered Damage: $25,000

YOU PAY: $3,000 (Deductible)

INSURANCE PAYS: $22,000

Important: You have the right to choose your contractor.Texas law protects your right to select the contractor you trust. Your insurance company cannot require you to use their preferred contractor.

Texas Laws That Protect You

Key laws that regulate storm claims and contractor conduct.

TEXAS INSURANCE CODE
(CHAPTER 542)

Regulates how insurance companies handle claims. They must act in good faith and settle claims fairly and promptly.

TEXAS PROPERTY CODE
(CHAPTER 57)

Prohibits insurers from requiring homeowners to use specific contractors or threatening non-renewal for doing so.

TEXAS ADMIN CODE
(28 TAC §1.601)

Requires all contractors to provide a written contract with specific language and timeframes for roofing work over $1,000.

ANTI-ASSIGNMENT LAW
(TEXAS INSURANCE CODE §542.007)

Protects homeowners from signing over their insurance benefits to a contractor.

Texas is a "No Assignment" state.You cannot sign your insurance benefits over to a contractor. You must be the one to receive the payment.
Need help with a storm claim?We provide honest inspections, help you understand your coverage, and work with your insurance company— so you don't have to.
Schedule a Free Inspection737-587-2167
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This information is for general guidance only and does not constitute legal advice. For specific legal concerns, consult an attorney.