Your Roof Got Hit.
We Handle What Comes Next.
Dove Creek guides Houston homeowners through the entire insurance claims process, from the first inspection to the final nail.
Your Insurance Company Has Its Own Interests. You Should Have Someone that has Yours.
When a storm damages your roof, your insurance company isn’t your enemy, but they aren’t your advocate either. They’re a for-profit business with an interest in settling claims as efficiently as possible, and that doesn’t always mean settling them fully.
Adjusters are often handling dozens of claims at once after a major storm. Some are undertrained on roofing specifically. Damage gets missed. Line items get left off scopes. Homeowners who don’t know what to look for accept settlements that don’t cover what they actually need.
Dove Creek has been through this process hundreds of times. We know what a complete claim looks like, what adjusters tend to overlook, and how to document damage in a way that holds up.
How It Works, From Start to Finish.
Step 1: Free Roof Inspection
Call us or submit the form below. We’ll come out, get on the roof, and document everything: shingle damage, flashing, gutters, vents, fascia, soffits. We photograph it all and give you an honest assessment on whether you have a viable claim before you file anything.
Step 2: We Help You File
Once we’ve confirmed storm damage, we help you initiate the claim with your insurance provider. We’ll walk you through your policy, what’s typically covered, and what documentation your carrier will need.
Step 3: We Attend the Adjuster Inspection
This is where most homeowners get shortchanged. We show up to the adjuster visit with you, walk the roof together, and make sure every item of damage is documented on your report. We know what to point out and how to communicate it in terms adjusters understand.
Step 4: Review the Scope of Loss
After the adjuster’s visit, your carrier will issue a loss statement. It can be confusing. We review it with you, identify anything that was missed or underpaid, and help you dispute discrepancies before work begins.
Step 5: We Complete the Work
Once the claim is approved, we schedule and complete your repair or replacement using quality materials suited for Houston’s climate. We pull the required permits, keep you updated throughout, and do a full site cleanup when the job is done.
Step 6: Final Documentation
We provide your carrier with the completed invoice and final documentation to give you discounts on your insurance premiums as well as release any remaining depreciation holdback.
Damage Isn’t Always Visible From the Ground
Storm and wind damage can be subtle. A roof that looks fine from the street can have significant impact damage that shortens its life by years and will eventually cause leaks.
Here is what our inspection covers:
- Shingle bruising and granule loss from hail impact
- Lifted, cracked, or missing shingles from wind
- Flashing damage at chimneys, skylights, and pipe boots
- Ridge cap and hip damage
- Siding
- Soffit, fascia, and gutter impact damage
- Garage door and window screen damage
- Interior attic inspection for signs of water intrusion
- Secondary structures: fences, AC units, outbuildings
Frequently Asked Questions
Will filing a claim raise my insurance rates?
In Texas, weather-related damage is classified as an “Act of God”. Insurance carriers are not permitted to raise your individual rates based solely on a weather claim. It’s worth confirming with your agent, but for most Houston homeowners this is not a concern.
Do I have to use the contractor my insurance company recommends?
No. You have the right to choose any licensed contractor. Your insurance pays based on the scope of work, not who completes it. Choose a contractor you trust, not one your carrier steers you toward.
What if the damage is less than my deductible?
We’ll tell you upfront. If the documented damage doesn’t exceed your deductible, filing a claim doesn’t make financial sense. We’ll give you an honest repair estimate and let you decide how to proceed.
How long do I have to file after a storm?
Most Texas homeowners insurance policies allow one to two years from the date of loss to file a claim. That said, don’t wait. Damage worsens over time and documentation gets harder. If you think your roof took a hit, call us for an inspection sooner rather than later.
What does "depreciation holdback" mean?
Most policies pay in two checks. The first covers the actual cash value of the repair. The second, the depreciation, is released after the work is completed and you submit final invoices. Many homeowners miss this second check because no one explains the process. We make sure you don’t.
Are there any upfront costs?
The inspection is completely free with no obligation. If we move forward with a claim and the repairs are approved, your only out-of-pocket cost is your deductible. We never ask you to cover costs your insurance should be paying.
Why Houston Homeowners Trust Dove Creek With Their Claims
Licensed & Insured in Texas
Thorough photo documentation on every inspection
Present at every adjuster meeting, not just sales calls
Permit coordination handled by our team
No pressure. If you don’t have a viable claim, we’ll let you know
Family-owned. We’re accountable for every job we take on
Think Your Roof Was Damaged? Don't Wait.
The sooner you get eyes on it the better your claim outcome. Dove Creek offers free inspections across the Greater Houston area.
No obligation. No pressure.