When your roof is damaged by wind, hail, or fallen debris, the process to get it replaced through insurance can feel overwhelming. At NewRüf, we’ve guided countless Texas homeowners step-by-step to take the stress out of how to get a roof replaced with insurance.
1. How to Get Your Roof Replaced by Insurance: Start With a Free Inspection
NewRüf begins with a 25‑point HITEK inspection covering the interior, attic, roof decking, gutters, and more. Every inspection includes high-resolution photos and a proprietary NewTek360 Report, which gives you a full visual and written breakdown of your roof’s condition.
2. File Your Claim—and We Stand With You
Once damage is confirmed, the next step is filing your insurance claim. When the adjuster comes to inspect the roof, NewRüf will meet them on-site to walk through the damage, explain the findings, and advocate for a fair and complete assessment. We don’t leave you guessing—we stand with you.
3. Choose to Replace—Plan Your Project
After your claim is approved, NewRüf will help you select your preferred roofing materials and colors. We’ll finalize the schedule and oversee every detail of the installation to ensure your roof is replaced quickly and professionally.
4. Deductible Waived Definition: What It Means—And Why It Matters
Let’s address a common misunderstanding: the deductible waived definition. Some contractors falsely advertise that they can waive or absorb your deductible. In Texas, this is illegal.
According to Chapter 707 of the Texas Insurance Code (effective Sept. 1, 2019), homeowners are required to pay their deductible out of pocket, and any contractor who offers to cover it is violating the law. Doing so could result in fines, loss of insurance coverage, or even legal trouble. At NewRüf, we maintain full compliance and always operate with transparency and integrity.
5. Why Work with NewRüf for Insurance Claims
Thorough Inspections using our proprietary NewTek360 technology
On-Site Representation during the adjuster visit
Transparent Billing that complies with Texas deductible laws
Fast Turnaround once your claim is approved
Local Roofing Experts with years of experience documenting damage and scoping the correct method of repair for the proper handling of insurance claims in Texas
Frequently Asked Questions About Roof Insurance Claims
How do I know if my roof damage is covered by insurance?
Most homeowners insurance policies cover roof damage caused by sudden and accidental events such as wind, hail, or falling objects. Damage from age or lack of maintenance typically isn’t covered. NewRüf can help evaluate whether your damage qualifies with a free inspection.
What’s the first step in getting my roof replaced through insurance?
Start with a professional inspection and damage report. NewRüf provides a 25‑point HITEK inspection and NewTek360 report to document everything your insurer will need to evaluate your claim.
Do I have to pay my deductible?
Yes. Texas law requires homeowners to pay their deductible. It is illegal for a roofing company to waive or absorb this cost. Contractors who offer to do so are violating Chapter 707 of the Texas Insurance Code.
What is the deductible waived definition?
This refers to a practice where a contractor or homeowner attempts to bypass the insurance deductible. In Texas, this practice is illegal and considered insurance fraud.
Will NewRüf help me file my claim?
Absolutely. NewRüf works directly with you and your insurance company and will be on-site during the adjuster visit to ensure your damage is properly assessed and your claim is handled accurately.
How long does the insurance claim and roof replacement process take?
The timeline varies depending on your insurance company’s processing time, but once approved, NewRüf can typically complete your roof replacement in just a few days.
Ready to Learn How to Get Roof Replaced with Insurance?
- Call NewRüf today at (512) 642-6005
- Schedule your FREE 25-point HITEK inspection
- Start your insurance claim with confidence
Let NewRüf help you navigate the insurance claim process so you can get your roof replaced—legally, ethically, and without stress.
