Emergency tarping. Thermal moisture mapping of full migration envelope. Wind vs. flood peril documented properly for your carrier. Direct insurance billing — you pay your deductible only.
Beryl, Ike, Harvey roof envelope failures
Hidden shingle bruises, delayed leak appearance
End-of-life roof leak documentation
Chimney, plumbing vent, skylight seal leaks
Falling limb or tree strike roof punctures
Wind-uplift ridge separation leaks
Water travels 8-15 feet along truss chords
Cellulose saturation, decking deterioration
Roof leak claims are often disputed at the peril level. We document both so coverage applies properly.
Wind-driven rain through wind-damaged envelope is covered by your standard HO-3. Deductible: typically 1-2% of dwelling coverage on Texas wind-deductible policies.
Standing flood water from rising sources is NOT covered by HO-3 — requires NFIP flood policy. Wind-driven rain that becomes interior flooding can fall in either category depending on documentation.
Dispatcher screens for active leak, emergency tarping need, and storm event correlation. 24/7 line, real dispatchers, no answering services.
If active leak exposed, blue tarp installed within 4 hours of arrival. Stops the bleeding while permanent roof repair is scheduled.
Thermal imaging maps the FULL migration envelope — usually 8-15 feet beyond the visible ceiling stain. Wind/flood peril photos documented.
Only saturated drywall and decking removed. Wet insulation pulled. Cavity exposed for drying. Antimicrobial treatment applied.
Roof decking checked for delamination. Daily moisture readings. Carrier coordinated with roofing partner if replacement needed.
New insulation, drywall, texture, paint inside. Roofing partner permanent repair outside. One integrated insurance claim, two trade scopes.
Roof leaks are Houston's most reliable storm-season pattern. We pre-position crews during hurricane warnings and have NWS-data documentation ready before the first call comes in.
Roof leak claims are among the most disputed in Texas. Carriers try to assign damage to flood peril (NFIP) instead of wind peril (homeowners) because it's not their coverage. Or they argue wear and tear instead of storm cause. Or they dispute the storm date for delayed-discovery hail.
Our scope at intake includes NWS storm event data for your specific address, wind speed and hail size records, and photographic documentation of the wind-driven failure path. This is what wins disputed roof claims.
Roof leak claims face peril disputes — we defend wind coverage
Most projects bill direct to insurance. Out-of-pocket cost is typically your deductible only.
Free on-site thermal moisture assessment with NWS event correlation. No obligation. Full documentation for your carrier.
We bill carrier for water damage scope. Texas wind deductibles run 1-2% of dwelling coverage on named-storm policies. Roofing scope separate.
Out-of-pocket roof leak interior restoration ranges by affected square footage, decking damage, and texture complexity.
Full storm event response.
Migrated ceiling damage from roof leaks.
Wet insulation and decking.
Hurricane and bayou flood response.
Named storm comprehensive response.
Slow leaks colonize mold in cavities.
"Beryl tore part of our roof off. They tarped it that night, dried out the entire upstairs over a week, and the carrier paid the full claim. Their wind-peril documentation killed the carrier's attempt to call it flood. We never argued with the adjuster — the documentation did all the talking."
"Ceiling stain appeared months after a hailstorm. Insurance wanted to deny — said it was wear and tear. They pulled NWS hail data showing softball-size hail at our exact address on the storm date. Allstate paid the claim, including the full roof replacement."
"Tree fell on our roof during a storm. The leak migrated 14 feet from the strike point along the truss. Thermal imaging found wet decking we couldn't see. They documented the migration path, coordinated with our roofer, and the entire claim closed in 5 weeks."
Usually only if the cause is a covered peril — wind, hail, falling tree, vandalism. General wear and tear isn't covered. We document the cause carefully so the roof component can be properly evaluated. NWS storm event data, wind speed records, hail size data — all included in the documentation we provide.
During named storms (hurricanes, tropical storms), within 24-48 hours depending on event severity. Most non-storm calls receive 60-90 minute response. We pre-position crews during hurricane season — some Beryl customers had emergency tarping within 2 hours of the storm passing.
We focus on the water-damage side — emergency tarping, drying, demolition, and interior reconstruction. We coordinate with vetted roofing partners for the permanent roof repair. Our scope is structured so both invoices integrate cleanly into one insurance claim — one deductible, two trades.
Possibly. Hail damage often appears delayed — a hailstorm can bruise shingles that don't leak for 6-18 months. We pull NWS storm data for your address and help establish the loss-event date. Most Texas carriers honor delayed-discovery claims when the storm date is documented properly.
Most Texas homeowners policies have a separate wind/hurricane deductible — typically 1% or 2% of your dwelling coverage. On a $400K dwelling that's $4,000 or $8,000. Not a fixed dollar amount like your regular deductible. Check your declarations page or we can help review it.
Water travels along truss chords and rafters before showing up — often 8 to 15 feet from the actual roof breach. Visual inspection misses this. We use FLIR thermal imaging to map the FULL moisture envelope before any demolition starts. This prevents over-demo on one hand and missed wet material on the other.
Emergency tarping. NWS storm data documentation. Wind peril defended. Direct insurance billing. 24/7 across Houston metro.