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Local DFW roofer & general contractor in McKinney, TX · By appointment onlyCall (214) 641-9119  ·  admin@hossroofing.com
Hoss Roofing & General Contracting
Home / Homeowner Info

Important info for homeowners.

We would rather educate you so you can make the best decision for your home.

Step by step

The roofing / insurance process

Inspection

Professional, detailed property and roof inspection to assess the damage.

File the claim

Filing your insurance claim, if warranted by the type of damage.

Adjuster meeting

We meet with your insurance adjuster.

Review the estimate

Review the insurance estimate and decide on all work you’d like completed.

Schedule

Schedule your roof installation.

Install

Materials drop and roof installation.

Final walk-through

Roof inspection and final walk-through.

Understanding the numbers

Payment breakdown

To help you understand the insurance figures and the deductible breakdown:

  • RCV — Replacement Cost Value: the amount you would pay to repair or replace the items at today’s cost.
  • ACV — Actual Cash Value: today’s cost minus depreciation.
  • Depreciation: the reduction in property value over time due to age, use and condition.
  • Deductible: the amount you pay out of pocket to the contractor toward repair or replacement.
  • Net Claim: the amount of your first check(s).
Net Claim=(RCV−Depreciation)−Deductible

Let’s walk you through an example

Replacement Cost Value$15,000A 5-year-old roof damaged by hail costs $15,000 to replace today.
Depreciation (15%)$2,250Normal wear and tear — paid upon completion of work. ACV is therefore $12,750.
Deductible$3,000Your out-of-pocket amount, paid to the contractor.
Net Claim (1st payment)$9,750Your first payment amount.
Important

The Texas deductible law

Is it legal for a roofer to pay the deductible on a claim? No. The law as it is written states:

“Texas law requires a person insured under a property insurance policy to pay any deductible applicable to a claim made under the policy. It is a violation of Texas law for a seller of goods or services who reasonably expects to be paid wholly or partly from the proceeds of a property insurance claim to knowingly allow the insured person to pay, or assist the insured person’s failure to pay, the applicable insurance deductible.”
Storm season

How to choose your roofer when so many are knocking at your door

In Texas, there is no state licensing for roofers, and insurance is not required. Anyone can hang up a “shingle” and call themselves a roofing company. When storms hit North Texas, we see an influx of out-of-town roofers (“storm chasers”) who often leave town not long after the storms do.

Important questions to ask any roofing company you may be considering:

  1. Is the contractor going to obtain the appropriate roofing permits?
  2. Are they in good standing with the Better Business Bureau?
  3. How many years of experience do they have as a roofing contractor in North Texas?
  4. Are they insured — and what does the coverage include? Ask for a certificate of insurance.
  5. Who will supervise your project, and how can you contact that person?
  6. Where is the roofing company located? Did they just come to town with the storms?
  7. What is the warranty on labor, and the manufacturer’s warranty? Get it in writing.
  8. Do they have credit references with material suppliers?
  9. Do they have customer references you can call?
  10. Will they give you a detailed, written proposal with dates and a payment schedule?
  11. Are they asking for money upfront?
  12. Is the roofer offering to “take care of” insurance? Talk directly to your insurance company.
  13. Are they claiming they are licensed? If so, where?
  14. If the bid is significantly lower than competitors, why?

We have all of these covered.

Hoss crew member working safely on a roof
Nails collected during magnetic cleanup
Proper roofing 101

Manufacturer specifications matter

This is what a full tear-off is supposed to look like before the new roof material is installed.

Diagram: the anatomy of a roof
The anatomy of a roof
Drip edge and starter shingle installation diagram
Drip edge & starter course
Drip edge installation
Drip-edge installation
Seasonal

Installing asphalt shingles in the winter

With Texas’ abundant sunshine and hail-damaged roofs, winter installs will happen. Manufacturers’ biggest concern in low temperatures is the adhesive strip not activating due to low roof surface temperatures.

A good rule of thumb from manufacturers, chemists and product engineers is 40°F on the roof’s surface. The sun’s radiant energy helps heat the roof surface even when the air is colder. Ideally, asphalt shingles should be installed when the air temperature is above 40 degrees, with sunshine expected. Hoss Roofing will not install shingles when it’s too cold.

We recommend six nails per shingle — best roofing practice — so even if a few adhesive strips don’t activate right away, shingles stay in place.

What to expect: shingles installed in winter may look bumpy or wavy until they’ve warmed up. This can take up to several months, and it does not impact the serviceability or performance of the shingle. If you’re not willing to have this temporary appearance, your roof will need to be installed in warmer weather.

FAQ

Common questions

Is the inspection really free?

Yes. Call to schedule your free expert property inspection. Our services are custom tailored to each client and by appointment only.

Do I have to pay a deposit?

No. We do every project with zero money upfront. We don’t collect a dollar until the project is 100% complete and to your satisfaction.

What warranty do you offer?

Every roof system is backed by our 7 Year Craftsman Labor Warranty, in addition to the manufacturer’s warranty on materials.

Can you help with my insurance claim?

Yes. We assist customers through the entire storm restoration process, from inspection and filing through the adjuster meeting, installation and final walk-through.

Can Hoss pay or waive my deductible?

No. Texas law requires the insured to pay their deductible, and it is a violation of Texas law for a contractor to knowingly help you avoid it. Be cautious of anyone who offers.

Do you pull permits?

We pull all required permits on every job, and we have never failed a city inspection after completion of any project.

Do you call homeowners about storm damage?

No. We do not cold call or solicit storm damage work, and we only contact customers from our official number, (214) 641-9119. If you get a call that doesn’t match, it is not us.

How long does a roof replacement take?

Most residential roof replacements take one to two days once materials are delivered, depending on size, weather and complexity. Your project manager will give you a timeline before work begins.

Ready for an honest look at your roof?

Call to schedule your free expert property inspection. Drone and infrared inspections available.

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